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 |
Nebraska's median home price is roughly $275,000. With 3.5% down, an example FHA payment near that price is about $2,153/month including MIP, taxes, and insurance.
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.
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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.