USDA and FHA Pro and Con in Scottsbluff, Scotts Bluff County, NE

As of 2025, the USDA loan limit in Scottsbluff, county of Scotts Bluff, NE, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.

Utilize Lendersa®'s USDA loan calculator to assess today's top USDA and FHA rates. Determine the necessary income, credit, reserves, and required documents for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side to help decide which program in best suits your financial circumstances.

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2025 Loan Limits and Downpayment Requirements in Scottsbluff, County of Scotts Bluff, 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 Options in Scottsbluff, NE

Lendersa® is committed to securing the best USDA or FHA loan for you quickly and without hassle. Choose one of three paths to connect with matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NE

A USDA home loan, often referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the government through the Department of Agriculture. It is available exclusively in rural areas and requires no down payment, unlike FHA loans, which need a minimum of 3.5% down.

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



  • Frogg Realty & Lending
  • 9852 Katella Ave, Suite 321, Anaheim, CA, 92804
  • We have been doing loans for over 20 years and love helping customers with their home loans. We have done everything from conventional, FHA, VA, IRRL, zero downs, Reverse, to even various types of commercial such as strip malls and apartment loans. Whatever your lending needs we have an expert to take great care of you.
  • Prima Funding Inc
  • 829 S Westvale Dr, Anaheim, CA, 92804
  • Prima Funding Inc has been a full service Brokerage that puts the needs of our clients first. We help first-time home buyers, homeowners, and investors stay ahead of the curve and maximize their investment potential. We specialize in the Southern California region of Orange County, Los Angeles and the Inland Empire
  • Lugo Bros RE & Mtg
  • 8932 Katella Avenue, Suite 104A, Anaheim, CA, 92804
  • Lugo Brothers Real Estate Group is committed to treating you like family. Our goal is to fulfill your real estate needs beyond your expectations, and we are confident in our ability to do so. Our job is not done when you are satisfied, our job is done when you are ecstatic. We look forward to working with you.
  • 1st Choice Mortgage
  • 509 J Street, Suite 6, Eureka, CA, 95632
  • My 1st Choice Mortgage is committed to our clients and guarantee the best experience possible and will answer all of your questions and walk you through each step of the way! We make everything transparent from start to finish, our job is to make this process as simple and clear as possible while most importantly, getting you the best deal!
  • Golden Valley Bank
  • 190 Cohasset Road, Suite 170, Chico, CA, 95926
  • At Golden Valley Bank we pride ourselves on delivering an experience unlike any other. Take our commitment to customers, staff and community - the foundation of true community banking. It's our passion to help businesses grow, help make dreams a reality and better our local economies.
  • Russell Street, Mortgage Broker
  • 15 Moraga Dr, Chico, CA, 95926
  • Providing Low Rate, No Hassle Mortgages throughout Colorado, Texas, and California. Whether you need the mortgage to buy a home, or are looking to refinance for a better rate, or take some cash out of your property, Russell Street can help. We work with you to find the right program and secure low market rates to make sure you are paying.
  • Home Loans By Shan
  • 121 W 1st Avenue, Chico, CA, 95926
  • Home Loans By Shan. Local expertise and broad real estate experience will benefit you whether you are serious about buying or selling a home at this time, or are a returning client checking out the many homeowner resources offered here. Home Loans By Shan's the objective here is to work diligently to assist you in meeting your real estate goals.
  • Network Mortgage
  • 155 E 3rd Ave, Chico, CA, 95926
  • Network Mortgage is a residential mortgage broker headquartered in Chico California. Founded in 1994, Network Mortgage serves California with the vision to provide mortgages to our friends, families and clients. We are a trusted mortgage brokerage that creates long term relationships and clients for life..
  • Dynamic Mortgage Financial
  • 14351 Euclid Street, Suite E, Garden Grove, CA, 92843
  • Dynamic Mortgage Financial Corporation offers a wide range of mortgage options to meet your financial needs and circumstances. Whether you’re a first-time property buyer or interested in refinancing your mortgage, we're here to guide you through the process. Contact us today for a special offer and learn what we can do for you.
  • The Lemoine Group, Inc.
  • 11088 Trask Ave, Suite 100, Garden Grove, CA, 92843
  • We purchase and manage a portfolio of first and second mortgage notes across the USA. We purchase pools of first and second mortgages for our own portfolio and for resale. We also offer management and advisory services including due diligence, workout strategies and partnership opportunities.