FHA Loan Limits in Nebraska (2026)
For 2026, the FHA loan limit in most Nebraska counties is $541,287 for a single-family home. Nebraska has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Nebraska
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Douglas County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lancaster County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hall County | $541,287 | $692,997 | $1,041,072 | Standard |
| Buffalo County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dodge County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lincoln County | $541,287 | $692,997 | $1,041,072 | Standard |
| Madison County | $541,287 | $692,997 | $1,041,072 | Standard |
| Platte County | $541,287 | $692,997 | $1,041,072 | Standard |
| Scotts Bluff County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dakota County | $541,287 | $692,997 | $1,041,072 | Standard |
| Adams County | $541,287 | $692,997 | $1,041,072 | Standard |
| Saunders County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cass County | $541,287 | $692,997 | $1,041,072 | Standard |
| Washington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Gage County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dawson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Box Butte County | $541,287 | $692,997 | $1,041,072 | Standard |
| Custer County | $541,287 | $692,997 | $1,041,072 | Standard |
| Seward County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sarpy County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Nebraska
FHA loans are popular with first-time buyers in Nebraska because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
Get FHA Rate & Program Alerts
Join the free FHA Notification Program. We watch rates, requirements, and new programs so you do not have to.
By providing your phone number you consent to receive text messages from FHA Rate Guide with important notifications about FHA programs, rate alerts, and requirements (up to 2 messages/week). Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. See our Terms of Service and Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Nebraska for 2026?
- Most Nebraska counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Nebraska?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.