FHA VS Conventional loan programs in 2025 for Kearney, Buffalo County, Nebraska

In 2025, the Conventional loan limit in Kearney, Buffalo County, NE, is $726,200, while the FHA limit for a single-family home is $472,030.

Use the Lendersa® calculator to compare today's best rates for Conventional, FHA, and USDA loans. Evaluate your income, credit, reserves, and documents required to qualify. This advanced mortgage calculator shows various loans side-by-side, aiding in selecting the best option for your needs in NE.

Compare offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Kearney, Buffalo County, NE

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

Applicable to these zip codes: 68847, 68845, 68849, 68848

Conventional and FHA Loan Options in Kearney, NE

Our goal at Lendersa® is to find you the best Conventional, USDA, or FHA loan quickly and without hassle. Begin with one of three paths to connect with suitable lenders and loan programs.

Results from a Lendersa USDA loan request


  • Good Life Lending
  • PO Box 5206, Lincoln, NE, 68505
  • Nebraska's fix and flip lender. We are a small company located in Lincoln, NE, since we are small you will get the service you deserve. We offer 100% Rehab funding, Interest only payments, Funding in 10 days or less and Free proof of funds. Experience Opportunity: The Good Life is Waiting For You, Get the Funding You Need to Experience It.
  • First Lincoln Federal Credit Union
  • 5730 R Street, Suite A, Lincoln, NE, 68505
  • First Lincoln Federal Credit Union Was Originally Chartered in 1956 It was an industrial credit union consisting of members of local #156 Amalgamated Meat Cutters & Butchers Workman of North America in Lincoln, employees of the Credit Union, and immediate family members. Willard Mook was elected treasurer and took care of operations from his home
  • Vault Funding Group
  • 421 South 9th Street, Suite 117, Lincoln, NE, 68505
  • Vault Funding Group is a residential and commercial mortgage lending firm with its home office based in Lincoln Nebraska and branch offices located in Atlanta Georgia and Las Vegas Nevada. As a member of the business community for several years, Vault Funding Group is also a licensed, bonded mortgage brokerage firm.
  • FirstBank of Nebraska
  • 201 E. 5th Street, Wahoo, NE, 68066
  • FirstBank of Nebraska is a locally owned, independent community bank with branches in Wahoo, Syracuse, Sterling and Burchard. As an FDIC-insured bank, we offer a full range of banking products to satisfy the unique needs of individuals, farmers and businesses of all sizes. Our local staff takes pride in getting to know our customers.
  • The Bank of Tescott
  • 101 E Lincoln Ave, Lincoln, KS, 67455
  • Since establishing business in 1887, the bank has built its reputation on personal service and community promotion. Family owned and locally operated in the communities of Tescott, Lincoln, Salina, and Lindsborg, The Bank of Tescott strives to provide customers with a competitive array of loan and deposit products that aid in their financial succes
  • Farmers Credit Union
  • 2825 Plaza Avenue, Hays, KS, 67601
  • The Farmers Credit Union was founded in 1953. The first location was an office located in the Farmers Co-op Building. The original capital was obtained by proceeds from a bake sale. Anyone who is a resident of Ellis County or adjoining counties is eligible to be a member of the Farmers Credit Union.
  • Golden Belt Bank
  • 1101 East 27th St, Hays, KS, 67601
  • At Golden Belt Bank, we take great pride in delivering our products in the manner our customer wants them. We strive to establish long-term relationships with our customers and our community. Every day, we get to help write the story. Because we believe one successful story builds one successful family,
  • Adams State Bank
  • 649 Main St, Adams, NE, 68301
  • Although it doesn’t claim the prominence of age that many of its neighbors in southeastern Nebraska do, Adams State Bank does have the distinction of being one of the state’s five-generation banks, as well as the honor of having a past president of the Nebraska Bankers Association as its President.
  • Horizon Bank Nebraska
  • 10841 North 142nd, Waverly, NE, 68462
  • Horizon Bank has been serving the financial needs of customers for over 100 years! Since the1990's, Horizon Bank has also been actively involved in the development of affordable housing. Working with developers and syndicators in the Midwest, Horizon Bank has experience in over 380 developments.
  • Adams Bank & Trust
  • 315 N Spruce St, Ogallala, NE, 69153
  • Adams Bank & Trust is a growing commercial bank in Nebraska, Colorado and Kansas that is committed to promoting local economic growth through business, agricultural and consumer lending. Founded in 1916, the bank remains locally owned and privately held, and has grown to well over a billion dollars in assets.
  • The Wilson State Bank
  • 422 26th Street, Wilson, KS, 67490
  • Since its inception, Wilson State Bank’s primary mission has been to serve the banking needs of our communities and surrounding counties. This mission continues to be the primary driving force behind the Bank today. We pledge to our customers to always provide a hometown atmosphere with people you can talk to and decisions that are made locally.
  • First Community Bank of Central
  • 201 Main Street, POB 100, Beemer, NE, 68716
  • With a variety of financial services to meet your needs, First Community Bank is certain to have the solution you're looking for. Whether it's a checking account, a car loan, or a place to watch your money grow, our bank is the place for you. Locations in Beemer, Fremont, Bancroft & Homer Nebraska