Nebraska FHA Loan Limits 2026

View FHA loan limits for all 93 counties in Nebraska. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$603,750

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Nebraska has 91 standard-limit counties and 2 high-cost areas. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Adams County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Antelope Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Arthur County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Banner County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Blaine County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Boone County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Box Butte Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Boyd County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brown County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Buffalo County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Burt County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Butler County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cass County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cedar County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chase County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cherry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cheyenne Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Colfax County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cuming County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Custer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dakota County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dawes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dawson County	$603,750	$772,900	$934,250	$1,161,050	High-Cost	Calculate
Deuel County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dixon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dodge County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Douglas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dundy County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fillmore Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Franklin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Frontier Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Furnas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gage County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Garden County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Garfield Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gosper County	$603,750	$772,900	$934,250	$1,161,050	High-Cost	Calculate
Grant County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Greeley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hall County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hamilton Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Harlan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hayes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hitchcock Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Holt County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hooker County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Howard County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Johnson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kearney County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Keith County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Keya Paha Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kimball County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Knox County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lancaster Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lincoln County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Logan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Loup County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Madison County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mcpherson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Merrick County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Morrill County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nance County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nemaha County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nuckolls Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Otoe County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pawnee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Perkins County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Phelps County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pierce County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Platte County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Polk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Red Willow Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Richardson Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rock County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Saline County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sarpy County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Saunders Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Scotts Bluff C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Seward County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sheridan Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sherman County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sioux County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stanton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Thayer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Thomas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Thurston Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Valley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wayne County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Webster County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wheeler County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
York County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Nebraska

Use the calculator below with Nebraska pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

Free, no obligation. Local professionals compete to help you.

Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

Related Calculators

Mortgage DTI Closing Costs Down Payment Amortization First-Time Buyer Rent vs Buy

Understanding FHA Loan Limits in Nebraska

FHA loan limits in Nebraska vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Nebraska's single-family FHA limits range from $541,287 to $603,750.

The variation in limits reflects differences in median home prices across Nebraska's counties. 2 counties are designated as high-cost areas with limits above the national floor of $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.