USDA VS FHA in Wayne, Wayne County, NE

In 2025, the USDA loan limit for Wayne, located in Wayne county, NE, is $336,500. The FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today's best rates for USDA versus FHA loans, while determining the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best suits your financial situation.

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2025 Loan Limits and Down Payment Requirements in Wayne, County of Wayne, NE

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 Wayne, NE

Lendersa® seeks to quickly provide the best USDA or FHA loan without the hassle. Choose one of three starting points that match you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NE?

A USDA home loan, also known as a USDA rural development loan, is backed by the Department of Agriculture and is available solely in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans do not require any down payment.

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



  • 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.
  • Arbor Bank
  • 16949 Lakeside Hills Plz, Omaha, NE, 68130
  • At Arbor Bank, we make growing great relationships with our clients the top priority. Arbor Bank has served Eastern Nebraska & Western Iowa for over 150 years. We are dedicated to helping farmers, families, individuals, businesses & our local communities grow. Arbor Bank's roots stem back to 1865 when the Nebraska City institution was established.
  • Shotbolt Mortgage Corporation
  • 17310 Wright Street, Suite 104, Omaha, NE, 68130
  • Shotbolt Mortgage! My name is Jack Shotbolt, and I am an Independent Mortgage Broker and Planner located here in Omaha, Nebraska. As a mortgage broker, I work for my clients rather than the banks which allows me to focus on the individual needs of each borrower and to work with a variety of lenders to find the best solution for each situation
  • Wilhelm Mortgage Inc
  • 17310 Wright Street, Suite 104, Omaha, NE, 68130
  • Wilhelm Mortgage Inc. (NMLS Lic. #1974080) Is an equal housing lender. This is not a commitment to lend or extend credit. Programs, rates, terms and conditions are subject to change without notice. Terms and conditions apply. All rights reserved. Contact us for details. Consult your accountant about tax deductions.
  • Mutual of Omaha Mortgage
  • 17041 Lakeside Hills Plaza A, Omaha, NE, 68130
  • The Mutual of Omaha Insurance Company has been helping customers since 1909. Inspired by hometown values and committed to being responsible and caring for each other, we exist for the benefit of our customers. And, like our customers, we thrive on relationships and building genuine, enduring connections.
  • United Bank of Iowa
  • 501 2nd St, Ida Grove, IA, 51445
  • United Bank of Iowa is a bank with operations in one state. United Bank of Iowa offers numerous mortgage programs including conventional, USDA, construction and agricultural loan mortgages. United Bank of Iowa is an independent financial services organization focusing on creating and maintaining personalized customer relationships
  • Heartland Area Federal Credit Union
  • 6111 N 72 Street, Omaha, NE, 68134
  • Heartland Area Federal Credit Union has been open since 1954. The credit union has assets totaling $22.35 Million and provides banking services to more than 1, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • First Nebraska Credit Union
  • 10655 Bedford Avenue, Omaha, NE, 68134
  • First Nebraska Credit Union is a member-owned, not-for-profit financial cooperative. We offer many of the same services you find at other financial institutions, however we are motivated by service rather than profit. Our focus is “People Helping People” and our goal is to strengthen the financial well-being of our members.