USDA and FHA Pro and Con in Scottsbluff, Scotts Bluff County, NE
As of 2026, 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.
2026 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.
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.
At Platte Valley Bank our focus will always be on people, products, service, community, work ethics and professionalism. It is no accident that our associates work so hard at customer service. Our customer oriented companies will be successful only if we bring to our jobs each day, the dedication to providing the service you expect and more
In 1964, we opened our doors under the brilliant blue skies of Harrisburg, Nebraska—a rural farming community in the heart of The Nebraska Panhandle. One firm handshake at a time, we earned the trust of our customers, allowing us to expand and create new relationships around Nebraska and then into Wyoming.
Established in 1950, Consumers Cooperative FCU, is a financially sound institution providing quality, personalized, competitive services to all of our membership. We service all employees and customers of WESTCO and We provide products and services that help the financial stability and economic growth for both our members and our community
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The credit union has assets totaling $9.92 Million and provides banking services to more than 1, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings
We are a family owned, independent community bank, with offices in Potter and Kimball, Nebraska, with ATM’s located in Potter, Dix and Kimball.
The Bank’s commitment to the tri-state region is evidenced by five generations of community bankers in our family. They have served the banking needs of our customers spanning two centuries
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