In the year 2025, the FHA loan limits applicable within Gering county, part of Scotts Bluff, NE, are defined as follows: a single-family home may have a loan limit of $472,030. For a two-unit property, this limit is set at $604,400. Meanwhile, a three-unit building can have a cap of $730,525, and for a four-unit dwelling, the restriction is $907,900.
As for conventional loans, the maximal amount that can be borrowed for a single-family residence is $726,200. Properties featuring two units have a maximum borrowing limit of $929,850, while for buildings consisting of three units, the ceiling is set at $1,123,900. For properties that include four residences, the top loan amount reaches $1,396,800, ensuring a diverse range of financing options according to property size.
Use our FHA calculator to access today’s most favorable FHA rates and evaluate the down payment, income, credit score, reserves, and documentation necessary to qualify for a loan. This tool is designed to facilitate your decision-making process.
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The Lendersa® calculator is an invaluable resource enabling comparisons of FHA rates and terms with those offered under other loan programs. Dive into comparisons of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, evaluating them against FHA options.
Lendersa® gathers program data from a broad spectrum of lenders, and instantly aligns it with your unique financial profile and requirements, giving you catered comparisons.
Refer to the Loan Limits Comparison Table for 2025, which is applicable for Gering county in Scotts Bluff, NE. This table allows evaluation of the maximum loan amounts available for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. In addition, to compare qualification requirements such as income, reserves, and credit criteria, utilize the Lendersa® Super Loan Integrated Qualifier, or SLIQ™.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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