USDA and FHA Pro and Con in Lincoln, Lancaster County, NE
In 2026, the USDA loan limit in Lincoln, county of Lancaster, NE, is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare the current best rates for USDA and FHA loans. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side to help you decide which program in fits your financial situation best.
2026 Loan Limits and Down Payment Requirements in Lincoln, County of Lancaster, NE
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Choices in Lincoln, NE
Lendersa® aims to swiftly secure you the best USDA or FHA loan with minimal hassle. Choose one of three starting points to connect with matching lenders and appropriate USDA loan programs.
A USDA home loan, also known as the USDA rural development loan or USDA mortgage, is backed by the government through the Department of Agriculture and is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment.
The Nebraska Rural Electric Association Credit Union also known as NREA Credit Union, was chartered in 1973. We are located in Lincoln, Nebraska, in the offices of the statewide Nebraska Rural Electric Association, but we have credit union representatives to assist our staff located in most of the Association’s 34 member Rural Public Power District
The University of Nebraska Federal Credit Union was started by seven faculty members back in 1937. Soon after membership was expanded to include university staff and in 2006 university students were added to the field of membership. In the fall of 2016 the credit union began reaching out to Alumni and welcoming them to join as well.
NSECU provides a convenient and inexpensive source of credit for worthwhile and meaningful purposes. We do this by returning any earnings to our members through higher dividend rates for share accounts and lower interest rates on loans. NSECU provides a convenient and inexpensive source of credit for worthwhile and meaningful purposes.
LINCONE Federal Credit Union is a Financial Services company located in Lincoln, Nebraska, United States. We are unique from other institutions. We are not owned by shareholders, we are owned by our members; Anyone that lives, works, worships, or attends school in Lancaster County, NE.
Liberty First Credit Union is unique in the financial services industry. We are a member-owned, not-for-profit financial cooperative. Those who do business with us are known as members. We exist solely to provide our members with affordable financial services; and members work together to achieve their financial goals.
Lincoln Federal Savings Bank was formed in 1906 and is organized as a mutual holding company. This means that the Bank is essentially owned by the depositors of the Bank meaning there are no outside shareholders. This structure allows the Bank to offer highly competitive rates to customers on both loans
Spirit of America Federal Credit Union was formed to serve federal employees and military personnel financially in Lincoln, NE. Starting from humble beginnings in 1932, we were chartered as a cooperative to help federal employees and their families by granting loans to meet extreme personal needs.
MembersOwn Credit Union offers primary banking services with a “People helping People” philosophy. Being locally owned by individuals living in 10 southeast Nebraska counties makes them committed to their members, first and foremost.
As a trusted financial partner, owners find the personal attention, care
The mission of the LPS Employees Federal Credit Union is to support its members by helping them achieve their current and future goals by providing member-driven services and financial education. We take pride in meeting our members’ needs with honesty, compassion, and integrity.
