USDA Vs. FHA your options comparison in Ralston, Douglas County, NE

In 2025, the USDA loan limit for Ralston in Douglas, NE, is $336,500. For single-family homes, the FHA limit is $472,030.

Explore today's best USDA vs. FHA rates using the Lendersa® USDA loan calculator. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, guiding you to the best program in for your financial situation.

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Loan Limits and Down Payment Requirements in Ralston, Douglas, NE, 2025

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Ralston, NE

Lendersa® aims to swiftly provide you with optimal USDA or FHA loan options without hassle. Choose one of three paths to connect with appropriate lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NE

A USDA home loan, supported by the Department of Agriculture and often known as a USDA rural development loan, is accessible only in rural areas. It differs from FHA loans, which require a minimum down payment of 3.5%, as USDA loans do not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Omaha 100 Inc
  • ​2401 Lake Street, Omaha, NE, 68111
  • Omaha 100, Incorporated, was established in 1990 with a mission to provide homeownership opportunities through public and private partnerships, financing, and technical assistance enabling low-and moderate-income borrowers to own and sustain their own homes. Omaha 100 provide affordable mortgage financing options to first time.
  • Premier Bank
  • 16802 Burke Street, Omaha, NE, 68118
  • Premier Bank Just because a bank has a lengthy history, doesn’t mean there’s a great story to tell. Premier Bank is founded by a desire to do more of what businesses and consumers expect their financial partner to do. That means investing more in our relationships, providing financial products and services
  • United Republic Bank
  • 111 North 181st Street, Omaha, NE, 68118
  • United Republic Bank, we're different. We set our standards high by abiding by our core beliefs: Excellence, Honesty and Integrity, Making a Difference, Building Relationships and Client Satisfaction.We’re an organization that is professional, trustworthy, accurate, and responsive. United Republic Bank provides financial services that help our clie
  • Core Bank
  • 17807 Burke St, Omaha, NE, 68118
  • Core Bank is a full-service community bank focused on meeting clients'​ banking needs with personal, business, real estate, SBA lending and private client services. Headquartered in Omaha, Nebraska, we have six Midwest locations in the Omaha and Kansas City metros, with our KC location specializing in SBA lending.
  • Jan Nicola, Realtor, Nebraska Realty
  • 17117 Burt Street, Omaha, NE, 68118
  • Nebraska Realty is a name we believe proudly reflects the professional, hard working and service-oriented values of our employees. Values that our history of success has been built upon. Values our customers associate with being “Nebraskan”. As Nebraska Realty, we now have the opportunity to expand our brokerage services throughout Nebraska,
  • Pillar Financial Mortgage
  • 15821 West Dodge Rd, Suite 161, Omaha, NE, 68118
  • Our "Client First" approach provides you with informed options when making decisions about the mortgage process. Find out why so many customers choose Pillar Financial Mortgage.Purchasing a home is one of your most important financial decisions. Let us help you get the facts before you buy and help pick the loan that's best for you.
  • Dynamic Mortgage Concepts, Inc.
  • 2516 Platte River Dr, Bellevue, NE, 68123
  • 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.
  • United Credit Union
  • 1900 W Broadway, Council Bluffs, IA, 51501
  • United Credit Union offers our valued members exclusive benefits. United Credit Union is located in Council Bluffs, Iowa, and was founded in 1953. The credit union has provides banking services to more than 2,000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans.
  • American Interstate Bank Elkhorn
  • 3331 N. 204th Street, Elkhorn, NE, 68022
  • Founded in 1915, American Interstate Bank is still the only bank chartered in Elkhorn. Today, we remain committed to Elkhorn and the Western Douglas County area through our support and involvement in various service organizations, churches, schools and community projects. American Interstate Bank (AIB) offers a full range of banking products
  • Pinnacle Bank
  • 18081 Burt St, Elkhorn, NE, 68022
  • We’ve always taken pride in our heritage as a family-owned, community Bank. Our commitment to our customers and community is at the forefront of how we do business. It’s been that way since the very beginning and continues today. Today, we operate a network of more than 151 locations with over $10.8 B in assets.
  • Foundation One Bank
  • 23804 Cedar Drive, Waterloo, NE, 68069
  • Our Mission is to provide an unexpected experience by offering exceptional, personalized service and valuable financial advice. Since 1905 our bank has continually existed and served the residents around Douglas County Nebraska. Our focus has been to provide an unexpected financial experience by offering exceptional, personal service.