USDA Vs. FHA your options comparison in Holdrege, Phelps County, NE
As of 2026, the USDA loan limit in Holdrege, which is in Phelps county, NE, stands at $336,500. In comparison, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's USDA versus FHA best rates, identifying necessary income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the most suitable program in for your financial needs.
Limits and Downpayment Requirements for Loans in Holdrege, Phelps, NE - 2026
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Holdrege, NE
Lendersa® is dedicated to securing the best USDA or FHA loan quickly and without any hassle. Choose one of these three initial pathways to reach lenders and explore USDA loan programs.
A USDA home loan is a government-backed financing option offered by the Department of Agriculture, also known as a USDA rural development loan or mortgage. It is exclusively available in rural areas and, unlike FHA loans requiring a 3.5% down payment, does not require any down payment.
The Minden Exchange Bank opened for business on September 1, 1883. Establishing themselves as frontrunners in the Minden scene, the founders of the Minden Exchange Bank (Kingsley and Webb) constructed the first brick building in Minden in 1884, locating on a portion of the lots still occupied by the Bank structure.
Adams County Bank was originally chartered in 1878 and has been serving South-Central Nebraska ever since. The main office has been located in Kenesaw, Nebraska since 1934.
To better serve our growing customer base the branch location was opened in Juniata, Nebraska in 1996.
In 2009, work began on the construction of a brand new building
We have been serving the central Nebraska region since 1905. Initially chartered as The State Bank of Poole, the Bank moved its main headquarters to Ravenna, Nebraska in 1932. We currently have offices in the communities of Ravenna, Pleasanton, Kearney and Litchfield. Town & Country Bank is locally owned and managed.
Flatwater Bank has been pioneering banking since 1902. We are proud to be family-owned and work hard to offer our customers the very best in community banking. We want the communities we live and work in to be strong. We want a place where kids can return to work, where people can start and grow businesses, and neighbors reach out to lend a hand.
We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate.
Pathway Bank is a progressive and independent community bank with approximately $167M in assets. A full-service financial institution, proactively seek and deliver innovative, competitive products and services that exceed expectations and support the people and communities we serve.
Bank of Doniphan is located directly in the heart of Central Nebraska, founded in 1965 on the principal that treating people right simply never goes out of style.
We firmly believe that by placing our customer’s interest first, we contribute to the financial success of our customers and in turn the communities we serve.
Five Points Bank is a family-owned bank born out of a need for quality, personalized banking in the Grand Island community. Our customers will always be the priority at Five Points Bank. When it was founded in September of 1971, the Five Points Bank claimed the first bank charter in the area in May of 1971.
