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NIFA First Home Program

Administered by:

Nebraska Investment Finance Authority (NIFA)
· State · Government-Insured Mortgage

Funding status: Active

How much assistance

30-year fixed-rate first mortgage at competitive below-market rates

Eligibility

  • Income limits:
    Varies by household size and home location; statewide income limit is $175,500 (effective 7/7/2025).
  • Purchase price limit: $485,500
  • First-time buyer required: Yes —
    Has not owned a home in the last three years. Requirement waived for qualified veterans.
  • Credit score minimum: 640
  • Geographic restrictions:
    Property must be located in Nebraska.
  • Homebuyer education required: Yes

How to Apply for NIFA First Home Program

Step 1: Apply through a NIFA participating lender. Compatible with FHA, VA, USDA, and conventional loans. Complete approved homebuyer education class before closing.

Available Statewide In