USDA and FHA Pro and Con in Kearney, Buffalo County, NE
In 2026, the USDA loan limit in Kearney, located in the county of Buffalo, NE, is set at $336,500. Meanwhile, the FHA limit for a single-family residence is $472,030.
Use Lendersa®'s USDA loan calculator to evaluate and compare the best rates available today for USDA versus FHA. Determine the necessary income, credit reserves, and documentation required for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side-by-side, assisting you in choosing the most fitting program for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Kearney, County of Buffalo, NE
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Kearney, NE
Lendersa® strives to secure the most favorable USDA or FHA loan for you swiftly and with ease. Choose from one of three starting points that lead to matching lenders and USDA loan programs.
The USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is a government-backed option provided by the Department of Agriculture. It is available exclusively in rural neighborhoods. In contrast to FHA loans, which necessitate a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.
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.
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
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.
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.
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.
Equitable Bank was established in 1882 shortly after the community of Grand Island was incorporated. It was organized by a small group of pioneers and was called, at that time, Grand Island Building & Loan Association. For nearly 140 years Equitable Bank has served the community of Grand Island & the surrounding area providing financial services.
Central Nebraska Federal Credit Union has been open since 1985. The credit union has assets totaling $12.21 Million and provides banking services to more than 1, 000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
Home Federal Bank To provide solutions to our customers that enhance their financial security in the most convenient and efficient way possible while striving to provide the most value and return to our stakeholders. Home Federal Bank was founded by Buck Beltzer in May of 1935. Home Federal Bank's first office was located in the Grand Island.
