USDA Direct Loans (also known as USDA Section 502 Direct Loans) are a mortgage program that assists low- and very-low income individuals buy decent, safe, and clean housing in rural areas. This is done through payment assistance which increases a borrower’s ability to repay. That payment assistance can be best described a subsidy which lowers the mortgage payment for short periods. The amount of assistance largely depends on the adjusted family income. USDA Direct Home Loans in Nebraska don’t work in the same manner as USDA Guaranteed Loans in Nebraska. The USDA Guaranteed Loan Program is a more popular option and can be used for a wider range of applicant incomes.Nebraska USDA Direct Loans are 100% financing mortgages. Unlike Guaranteed USDA Loans, applicants must have low or very low income to qualify for Direct Loans.

Nebraska USDA Direct Loan Requirements

USDA Direct Loans are a mortgage program available for low-income individuals to buy homes in rural areas. USDA defines low- or very low income as anything between 50% and 80% of the Area Median (AMI). The statewide median income was recently reported as $61,439 in Nebraska, but this number may differ from one county to the next. For home buyers that meet those requirements, USDA Loans are a zero-down mortgage, meaning there’s no down payment. To be eligible, applicants must also meet the following requirements:

  • You don’t presently have decent, clean, sanitary and safe housing.
  • You can’t get another mortgage from a different source with terms and conditions reasonably expected to be met.
  • The subject property must be your primary residence.
  • You must be legally eligible for a mortgage.
  • You must meet citizenship requirements or non-citizen requirements.
  • You must be eligible for participation in federal programs.

In addition, the subject property must meet the following requirements.

  • It must be moderately-sized for that area.
  • The home cause can’t exceed the area’s applicable loan limit.
  • The home can’t be designed for the production of income.

How much can I borrow with a USDA Direct Mortgage?

Up to the maximum loan limit, the amount of money that an applicant’s eligible for depends on their ability to pay it back. When evaluating home loan applicants for Direct home loans, Rural Development considers income, assets, debt, and payment assistance. And remember, you can’t borrow more than the local USDA loan limit for the county where the home is located, no matter what your repayment ability may be.

What areas in NE are eligible for USDA Direct Loans?

The subject property must be in an approved rural area. You can search specific addresses in Nebraska for USDA eligibility here.

Are there other zero down mortgage options or low down payment mortgages in Nebraska?

Yes, other low down payment mortgage options, and no down payment mortgage options are available in Nebraska besides USDA Direct Loans. You can start by looking into USDA Guaranteed Loans in Nebraska, FHA Loan in Nebraska, or if you’re a veteran or qualified family member, VA Loans in Nebraska. You may also want to research if any helpful Nebraska down payment assistance programs may be available.

Search all USDA Guaranteed Loan Limits (Direct and Guaranteed Loans)
Learn about today’s USDA Loan Requirements

Direct Loans aren’t as popular as USDA Guaranteed Loans, which accommodate a wider range of borrower qualifications. The USDA sets specific maximum mortgage limits for Direct Loans in Nebraska. Search home loan limits for your area below.

Nebraska USDA Direct Loan Limits

Direct Loan Limit
Adams $251,862
Antelope $251,862
Arthur $251,862
Banner $251,862
Blaine $251,862
Boone $251,862
Box Butte $251,862
Boyd $251,862
Brown $251,862
Buffalo $251,862
Burt $251,862
Butler $251,862
Cass $251,862
Cedar $251,862
Chase $251,862
Cherry $251,862
Cheyenne $251,862
Clay $251,862
Colfax $251,862
Cuming $251,862
Custer $251,862
Dakota $251,862
Dawes $251,862
Dawson $251,862
Deuel $251,862
Dixon $251,862
Dodge $251,862
Douglas $251,862
Dundy $251,862
Fillmore $251,862
Franklin $251,862
Frontier $251,862
Furnas $251,862
Gage $251,862
Garden $251,862
Garfield $251,862
Gosper $251,862
Grant $251,862
Greeley $251,862
Hall $251,862
Hamilton $251,862
Harlan $251,862
Hayes $251,862
Hitchcock $251,862
Holt $251,862
Hooker $251,862
Howard $251,862
Jefferson $251,862
Johnson $251,862
Kearney $251,862
Keith $251,862
Keya Paha $251,862
Kimball $251,862
Knox $251,862
Lancaster $251,862
Lincoln $346,840
Logan $346,840
Loup $251,862
Madison $251,862
McPherson $346,840
Merrick $251,862
Morrill $251,862
Nance $251,862
Nemaha $251,862
Nuckolls $251,862
Otoe $251,862
Pawnee $251,862
Perkins $251,862
Phelps $251,862
Pierce $251,862
Platte $251,862
Polk $251,862
Red Willow $251,862
Richardson $251,862
Rock $251,862
Saline $251,862
Sarpy $251,862
Saunders $251,862
Scotts Bluff $251,862
Seward $251,862
Sheridan $251,862
Sherman $251,862
Sioux $251,862
Stanton $251,862
Thayer $251,862
Thomas $251,862
Thurston $251,862
Valley $251,862
Washington $251,862
Wayne $251,862
Webster $251,862
Wheeler $251,862
York $251,862

More USDA Loan Resources

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA Loan Calculator

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