Nebraska Mortgage Guides 2026
This complete Nebraska mortgage guide covers 2026 FHA loan limits across all 93 counties, the two Lexington-area counties that sit above the national floor, Nebraska Investment Finance Authority loans and down payment assistance, USDA income limits for the ten Nebraska areas that exceed the base, VA guidance for Offutt Air Force Base and Nebraska veterans, and a full closing cost breakdown — including the documentary stamp tax that changed mid-year — in one place.
Everything You Need for a Nebraska Home Purchase
Six in-depth guides covering every stage of buying a home in Nebraska — from choosing a loan program to knowing exactly what you will pay at the closing table.
Nebraska Mortgage Guide
FHA and conforming loan limits county by county, a side-by-side loan program comparison, Nebraska property taxes, and how the state’s housing markets shape your financing options.
Read guide →Nebraska First-Time Home Buyer Guide
NIFA First Home, Homebuyer Assistance and Welcome Home compared, plus county-by-county income limits, purchase price caps, and the target-area rules that raise both.
Read guide →Nebraska FHA Loan Requirements
2026 FHA limits for all 93 Nebraska counties, the higher Dawson and Gosper County limits, one-to-four unit figures, credit and down payment rules, and how FHA mortgage insurance works.
Read guide →Nebraska VA Loan Requirements
VA entitlement and why full entitlement carries no loan cap, the 2026 funding fee tables and exemptions, Nebraska military installations, and how VA pairs with NIFA financing.
Read guide →Nebraska USDA Loans
FY2026 USDA income limits including the ten Nebraska areas above the base limit, how to check an address for eligibility, guarantee fees, and how zero-down USDA compares with FHA.
Read guide →Nebraska Closing Costs Guide
The documentary stamp tax and who pays it, statutory recording fees that are identical in all 93 counties, title and escrow practice, and a fee-by-fee breakdown for Nebraska buyers.
Read guide →Key Nebraska Mortgage Guide Facts
FHA Loan Limits (2026)
- 91 of 93 counties: $541,287
- Dawson & Gosper Counties: $603,750
- Two-family, floor counties: $693,050
- Conforming limit, all 93 counties: $832,750
- HUD FHA mortgage limits lookup
Down Payment Assistance
- NIFA Homebuyer Assistance: up to 5% of the purchase price
- Assistance second mortgage: 1% interest, 10-year term
- Welcome Home Assistance: first-time and repeat buyers
- Military Home: government rate 6.000%, DD214 required
- Homebuyer education required before closing for first-time buyers
- Nebraska Investment Finance Authority programs
Property Taxes
- Est. effective rate: 1.49%
- Median annual real estate tax bill: $3,549
- Median owner-occupied home value: $238,600
- Roughly $296 a month in escrow at the state median
- Census ACS 2024 table B25103
Closing Cost Highlights
- Documentary stamp tax: $3.32 per $1,000, paid by the seller
- Rate rose from $2.32 on July 18, 2026
- Recording: $10 first page, $6 each additional page
- About $793 stamp tax on a $238,600 sale (Est.)
- Nebraska Department of Revenue
Buying or Refinancing in Nebraska?
Nebraska rewards buyers who do their homework. The documentary stamp tax changed mid-2026, and NIFA sets income and purchase price limits county by county — with six counties carrying higher target-area limits. Knowing which of those apply to you changes what you can afford.
- ✓ Confirm current rates and limits at Nebraska Investment Finance Authority
- ✓ Check whether your county carries a target-area income and price limit
- ✓ Work out your property tax escrow before you set a purchase budget
- ✓ Compare NIFA assistance against a straight FHA or USDA loan
Coming soon · No obligation · Educational first
Nebraska Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. Nebraska is on our expansion list. In the meantime, our Nebraska guides and the official program links above have everything you need to research your purchase.
Join the Nebraska Waitlist