FHA Loan Limits in Gage County, Nebraska (2026)
From Gage County, FHA buyers in Gage County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Midwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Gage County to the edges of Gage County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Douglas and Lancaster Counties.
What can you buy with FHA in Gage County?
With Gage County's median sale price estimated near $242,000 (think Gage County), the FHA down payment is roughly $8,470. Factoring Nebraska property taxes near 1.63%, expect about $2,015 monthly, pointing to income near $78,000 — above Nebraska's $71,722 median household income, so budget carefully.
FHA payment scenarios in Gage County
FHA payments across Gage County price points — from entry homes near Gage County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $174,000 | $6,090 | $1,482 |
| Local median — $242,000 | $8,470 | $2,015 |
| At the FHA limit — $541,287 | $18,945 | $4,364 |
Estimates include FHA MIP plus Nebraska property taxes and insurance. Rates move daily near Gage County too — get notified.
First-time buyers make up much of FHA activity in Gage County and across Gage County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,470 needed on a median Gage County home.
Multi-unit FHA limits in Gage County
Gage County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Gage County can live in one unit and rent the rest to offset the mortgage.
FHA Alerts, Free to Your Inbox
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Gage County for 2026?
- In Gage County (Gage County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Gage County with FHA?
- For a median-priced ($242,000) Gage County home, plan on income around $78,000 at a 31% housing ratio — about $2,015/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Gage County?
- 3.5% with a 580+ score — roughly $8,470 on a $242,000 Gage County-area home. Gift funds are allowed.
- Is Gage County a high-cost FHA area?
- No — Gage County uses the $541,287 national floor for one unit.