USDA Vs. FHA your options comparison in Nebraska-City, Otoe County, NE
As of 2026, the USDA loan limit in Nebraska-City, within Otoe county in NE, is $285,000. Meanwhile, for single-family homes, the FHA limit is $356,362.
Use the Lendersa® USDA loan calculator to assess today's top rates for USDA and FHA loans, and determine the necessary income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, assisting you in choosing the best program for your situation in .
2026 Loan Limits and Downpayment Requirements in Nebraska-City, County of Otoe, NE
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Available USDA and FHA Loan Options in Nebraska-City, NE
The goal of Lendersa® is to quickly provide you with the best USDA or FHA loan without any hassle. Choose one of three initial paths to find matching lenders and appropriate USDA loan programs.
A USDA home loan is guaranteed by the Department of Agriculture, known as a USDA rural development loan, available only in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans do not require any down payment.
The First National Bank of Johnson has built lasting relationships with our customers by understanding their goals and meeting their needs. Each day we dedicate ourselves to serving you with honesty and professionalism. We will provide you with the outstanding community banking experience you deserve.
Our community is important, and we take pride in where we live and work. Countryside Bank employees and families have deep roots in the community, as do many of our loyal customers. As new people discover the advantages of small communities and independent banks, we continue to grow and build new customer relationships.
The American Exchange Bank was incorporated July 13, 1889 and bank business began on September 9, 1889. The incorporators were F. E. Stevens, E. A. Stopher, W. S. Waters and C. D. Stevens. The bank first used an existing building near the corner of 4th and D Street. This two-story brick building was 60 ft by 28 ft by 24 ft and
Corn Growers State Bank has increased in assets many times over since 1950 and takes pride in the fact that it is a vital part of the Murdock community and wishes to thank all of its past, present and future customers for the business they have done with the bank. Your support is greatly appreciated
We are proud to serve YOU, the community, as a mutual savings bank. We are not owned by a family or a group of wealthy shareholders. We are owned by YOU, our customers, and we work for YOU for the betterment of the bank and community as a whole. Our decisions are made locally, by local people, with you and the future of the community in mind.
Dynamic Mortgage Concepts, Inc is a lender who works for you! Whether you are looking to prequalify to purchase a home, refinance your existing loan, or complete a construction loan, we have products to fit your needs! We offer A-F credit loans, and have access to several national lenders to place your loan with.
Pitch Edison provides personal mortgages to individuals in Nebraska looking to begin the next chapter in their life. As a local company, we are well versed in all types of loans including, conventional, FHA, USDA, and refinances. Our model allows us to create a custom experience in order to tailor a loan that's right for you!
