Nebraska loan limits 2026 by county
In 2026, every one of the 93 counties in Nebraska has the $832,750 baseline conforming loan limit for a one-unit home. FHA limits run from $541,287 to $603,750: 2 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Nebraska county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adams County | $832,750 | $541,287 | Hastings, NE |
| Antelope County | $832,750 | $541,287 | Non-Metro |
| Arthur County | $832,750 | $541,287 | Non-Metro |
| Banner County | $832,750 | $541,287 | Scottsbluff, NE |
| Blaine County | $832,750 | $541,287 | Non-Metro |
| Boone County | $832,750 | $541,287 | Non-Metro |
| Box Butte County | $832,750 | $541,287 | Non-Metro |
| Boyd County | $832,750 | $541,287 | Non-Metro |
| Brown County | $832,750 | $541,287 | Non-Metro |
| Buffalo County | $832,750 | $541,287 | Kearney, NE |
| Burt County | $832,750 | $541,287 | Non-Metro |
| Butler County | $832,750 | $541,287 | Non-Metro |
| Cass County | $832,750 | $541,287 | Omaha, NE-IA |
| Cedar County | $832,750 | $541,287 | Non-Metro |
| Chase County | $832,750 | $541,287 | Non-Metro |
| Cherry County | $832,750 | $541,287 | Non-Metro |
| Cheyenne County | $832,750 | $541,287 | Non-Metro |
| Clay County | $832,750 | $541,287 | Hastings, NE |
| Colfax County | $832,750 | $541,287 | Columbus, NE |
| Cuming County | $832,750 | $541,287 | Non-Metro |
| Custer County | $832,750 | $541,287 | Non-Metro |
| Dakota County | $832,750 | $541,287 | Sioux City, IA-NE-SD |
| Dawes County | $832,750 | $541,287 | Non-Metro |
| Dawson County | $832,750 | $603,750 | Lexington, NE |
| Deuel County | $832,750 | $541,287 | Non-Metro |
| Dixon County | $832,750 | $541,287 | Non-Metro |
| Dodge County | $832,750 | $541,287 | Fremont, NE |
| Douglas County | $832,750 | $541,287 | Omaha, NE-IA |
| Dundy County | $832,750 | $541,287 | Non-Metro |
| Fillmore County | $832,750 | $541,287 | Non-Metro |
| Franklin County | $832,750 | $541,287 | Non-Metro |
| Frontier County | $832,750 | $541,287 | Non-Metro |
| Furnas County | $832,750 | $541,287 | Non-Metro |
| Gage County | $832,750 | $541,287 | Beatrice, NE |
| Garden County | $832,750 | $541,287 | Non-Metro |
| Garfield County | $832,750 | $541,287 | Non-Metro |
| Gosper County | $832,750 | $603,750 | Lexington, NE |
| Grant County | $832,750 | $541,287 | Non-Metro |
| Greeley County | $832,750 | $541,287 | Non-Metro |
| Hall County | $832,750 | $541,287 | Grand Island, NE |
| Hamilton County | $832,750 | $541,287 | Non-Metro |
| Harlan County | $832,750 | $541,287 | Non-Metro |
| Hayes County | $832,750 | $541,287 | Non-Metro |
| Hitchcock County | $832,750 | $541,287 | Non-Metro |
| Holt County | $832,750 | $541,287 | Non-Metro |
| Hooker County | $832,750 | $541,287 | Non-Metro |
| Howard County | $832,750 | $541,287 | Grand Island, NE |
| Jefferson County | $832,750 | $541,287 | Non-Metro |
| Johnson County | $832,750 | $541,287 | Non-Metro |
| Kearney County | $832,750 | $541,287 | Kearney, NE |
| Keith County | $832,750 | $541,287 | Non-Metro |
| Keya Paha County | $832,750 | $541,287 | Non-Metro |
| Kimball County | $832,750 | $541,287 | Non-Metro |
| Knox County | $832,750 | $541,287 | Non-Metro |
| Lancaster County | $832,750 | $541,287 | Lincoln, NE |
| Lincoln County | $832,750 | $541,287 | North Platte, NE |
| Logan County | $832,750 | $541,287 | North Platte, NE |
| Loup County | $832,750 | $541,287 | Non-Metro |
| Madison County | $832,750 | $541,287 | Norfolk, NE |
| McPherson County | $832,750 | $541,287 | Non-Metro |
| Merrick County | $832,750 | $541,287 | Grand Island, NE |
| Morrill County | $832,750 | $541,287 | Non-Metro |
| Nance County | $832,750 | $541,287 | Non-Metro |
| Nemaha County | $832,750 | $541,287 | Non-Metro |
| Nuckolls County | $832,750 | $541,287 | Non-Metro |
| Otoe County | $832,750 | $541,287 | Non-Metro |
| Pawnee County | $832,750 | $541,287 | Non-Metro |
| Perkins County | $832,750 | $541,287 | Non-Metro |
| Phelps County | $832,750 | $541,287 | Non-Metro |
| Pierce County | $832,750 | $541,287 | Norfolk, NE |
| Platte County | $832,750 | $541,287 | Columbus, NE |
| Polk County | $832,750 | $541,287 | Non-Metro |
| Red Willow County | $832,750 | $541,287 | Non-Metro |
| Richardson County | $832,750 | $541,287 | Non-Metro |
| Rock County | $832,750 | $541,287 | Non-Metro |
| Saline County | $832,750 | $541,287 | Non-Metro |
| Sarpy County | $832,750 | $541,287 | Omaha, NE-IA |
| Saunders County | $832,750 | $541,287 | Omaha, NE-IA |
| Scotts Bluff County | $832,750 | $541,287 | Scottsbluff, NE |
| Seward County | $832,750 | $541,287 | Lincoln, NE |
| Sheridan County | $832,750 | $541,287 | Non-Metro |
| Sherman County | $832,750 | $541,287 | Non-Metro |
| Sioux County | $832,750 | $541,287 | Non-Metro |
| Stanton County | $832,750 | $541,287 | Norfolk, NE |
| Thayer County | $832,750 | $541,287 | Non-Metro |
| Thomas County | $832,750 | $541,287 | Non-Metro |
| Thurston County | $832,750 | $541,287 | Non-Metro |
| Valley County | $832,750 | $541,287 | Non-Metro |
| Washington County | $832,750 | $541,287 | Omaha, NE-IA |
| Wayne County | $832,750 | $541,287 | Non-Metro |
| Webster County | $832,750 | $541,287 | Hastings, NE |
| Wheeler County | $832,750 | $541,287 | Non-Metro |
| York County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Nebraska
Dawson County ($603,750) and Gosper County ($603,750). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Nebraska
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Nebraska fair market rentsHUD Fair Market Rents for every Nebraska county, studios to 4 bedrooms.
- Nebraska property tax ratesEffective property tax rate for every Nebraska county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Nebraska loan limits
What are the FHA loan limits in Nebraska for 2026?
$541,287 to $603,750 for a one-unit home, depending on the county. 2 counties are above the national floor of $541,287, led by Dawson County ($603,750) and Gosper County ($603,750); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Nebraska for 2026?
$832,750 for a one-unit home in every Nebraska county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Nebraska?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Nebraska for 2026: 25 percent of that limit minus the entitlement already used.
Which Nebraska counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Dawson County at $603,750. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/nebraska. Not lending advice.