2026 FHA Loan Limits in Nebraska
If you’re looking to buy a home in Nebraska, you should know that the median sales price was $309,500 as of the end of 2025, according to Redfin data. Coming up with the traditional 20% down payments — more than $60,000 based on that median sales price — could be challenging. A Federal Housing Administration (FHA) loan can be an appealing alternative, since FHA loans have lower down payment requirements.
However, the FHA caps how much you can borrow with loan limits. In Nebraska, the maximum FHA loan limit ranges from $541,287 for a single-family property in most areas to $603,750 in two, high-cost metropolitan areas.
Nebraska FHA loan limits by county
In Nebraska, most counties are subject to the national “floor” — the lowest FHA loan limit — of $541,287. Only two counties, Dawson and Gosper, have a higher minimum of $603,750 for single-family homes.
Nebraska single-family FHA loan limits
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| ADAMS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| ANTELOPE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| ARTHUR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $274,000 |
| BANNER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $221,000 |
| BLAINE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $148,000 |
| BOONE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| BOX BUTTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| BOYD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $17,000 |
| BROWN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $95,000 |
| BUFFALO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| BURT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $127,000 |
| BUTLER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| CASS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $345,000 |
| CEDAR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $141,000 |
| CHASE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $237,000 |
| CHERRY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $128,000 |
| CHEYENNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| CLAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| COLFAX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| CUMING COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $137,000 |
| CUSTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $118,000 |
| DAKOTA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $285,000 |
| DAWES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $134,000 |
| DAWSON COUNTY | $603,750 | $772,900 | $934,250 | $1,161,050 | $307,000 |
| DEUEL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $110,000 |
| DIXON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $188,000 |
| DODGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $202,000 |
| DOUGLAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $345,000 |
| DUNDY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $171,000 |
| FILLMORE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| FRANKLIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $132,000 |
| FRONTIER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $105,000 |
| FURNAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $75,000 |
| GAGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $149,000 |
| GARDEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $62,000 |
| GARFIELD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $210,000 |
| GOSPER COUNTY | $603,750 | $772,900 | $934,250 | $1,161,050 | $307,000 |
| GRANT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| GREELEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $70,000 |
| HALL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $230,000 |
| HAMILTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $239,000 |
| HARLAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| HAYES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $68,000 |
| HITCHCOCK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $63,000 |
| HOLT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $202,000 |
| HOOKER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $114,000 |
| HOWARD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $230,000 |
| JEFFERSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $105,000 |
| JOHNSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $191,000 |
| KEARNEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| KEITH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| KEYA PAHA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| KIMBALL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $124,000 |
| KNOX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $95,000 |
| LANCASTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $283,000 |
| LINCOLN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $213,000 |
| LOGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $213,000 |
| LOUP COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $91,000 |
| MADISON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $231,000 |
| MCPHERSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| MERRICK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $230,000 |
| MORRILL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $108,000 |
| NANCE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $90,000 |
| NEMAHA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $106,000 |
| NUCKOLLS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $55,000 |
| OTOE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| PAWNEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $65,000 |
| PERKINS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| PHELPS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $167,000 |
| PIERCE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $231,000 |
| PLATTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| POLK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $236,000 |
| RED WILLOW COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $144,000 |
| RICHARDSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $62,000 |
| ROCK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $85,000 |
| SALINE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $170,000 |
| SARPY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $345,000 |
| SAUNDERS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $345,000 |
| SCOTTS BLUFF COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $221,000 |
| SEWARD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $283,000 |
| SHERIDAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $78,000 |
| SHERMAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $69,000 |
| SIOUX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $205,000 |
| STANTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $231,000 |
| THAYER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $70,000 |
| THOMAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $60,000 |
| THURSTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $80,000 |
| VALLEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $158,000 |
| WASHINGTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $345,000 |
| WAYNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $197,000 |
| WEBSTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| WHEELER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $197,000 |
| YORK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $160,000 |
How are FHA loan limits determined?
The FHA uses two factors to determine FHA loan limits:
- Conventional loan limits: Each year, the Federal Housing Finance Agency (FHFA) updates the loan limits for conforming mortgages, meaning those that meet the guidelines set by Freddie Mac and Fannie Mae.
- Metropolitan Statistical Area (MSA) sales data: The FHA uses MSA sales data to gain insight into pricing trends to set the new limits.
Using these two factors, the FHA will set both a “floor” and a “ceiling” for FHA mortgages.
The FHA “floor” is the maximum amount you can borrow in most areas, and it’s set at 65% of the conforming loan limit. As of 2026, the conforming loan limit in most areas is $832,750, so the floor for FHA loans is $541,287.
The FHA loan “ceiling” is the maximum amount you can borrow to purchase a home in a high-cost area. In Nebraska, the highest amount you can borrow for a single-family home is $603,750. In other states, the ceiling for FHA loans is as high as $1,249,125 in 2026.
How to qualify for an FHA loan in Nebraska
As of the end of 2025, the median sales price for a home in Nebraska was about $300,000, which is well under the loan maximum for FHA loans. To qualify for an FHA loan in the Cornhusker State, you must meet the following mortgage requirements:
- Minimum credit score of 500 or 580: While conventional mortgages usually require at least a 620 credit score, FHA loans have less stringent requirements. You can qualify for an FHA loan with a credit score as low as 500. However, if you want to make the smallest down payment possible (3.5%), you’ll need at least a 580 credit score.
- Minimum 3.5% down payment: If your credit score is 580 or higher, you can qualify for an FHA loan with a minimum 3.5% down payment of the purchase price. A credit score of 500 to 579 requires at least a 10% down payment.
- Maximum 43% debt-to-income (DTI) ratio: The DTI ratio is the proportion of your monthly income that goes toward recurring debt payments. The maximum allowable DTI for FHA loans is 43%, though some borrowers can qualify with a DTI ratio above that if they meet other requirements, like high credit scores or significant cash reserves.
- Mortgage insurance: With FHA loans, you must pay mortgage insurance. You’ll pay an upfront premium as well as a monthly charge; the upfront premium is 1.75% of the base loan amount, while the amount tacked on to your monthly payments will range from 0.15% to 0.75% of the loan amount.
- Occupancy: You can only use FHA loans to purchase an owner-occupied primary residence, and you must live in the home for at least one year.
- FHA home appraisal: FHA loans require a specific type of home appraisal, and the home has to meet property appraisal and condition standards established by the U.S. Department of Housing and Urban Development (HUD). If the home needs repairs to meet those standards, the seller has to complete the repairs prior to closing.
Buying a multifamily property with an FHA loan
FHA loans are only for the purchase of owner-occupied, primary residences, not investment properties or vacation homes. However, there is a workaround for those interested in house hacking: You can purchase a multifamily home and use an FHA loan to pay for it as long as you intend to live in one of the units.
The criteria for FHA loans for multifamily units is the similar to the criteria for single-family homes:
- You must have a credit score of 500 or better (580 if you want to put down just 3.5%)
- You must have a DTI ratio of 43% or better
- You must have mortgage insurance
- The property must meet HUD property standards
- Cash reserves: For a one-unit home, cash reserves — or having a few months of mortgage payments saved — may not be necessary. If you plan on buying a two-, three- or four-unit property, you’ll need as many as six months of payments saved in cash reserves.
Please fill in the table below with the 2026 loan limits.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Nebraska
| Lender | LendingTree rating | Minimum FHA credit score | |
|---|---|---|---|
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Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 |
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