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Statewide Home Buyer Programs

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Loans for First-Time Home Buyers

NIFA’s Low-interest and low-down payment mortgages will help you buy and keep the home of your dreams.
First Home Plus
First Home Focused
Homebuyers Assistance (HBA) Advantage
Military Home

More Programs and Resources

NIFA Targeted Areas
Interest Rates
Purchase Price/Income Limits
NIFA Participating Lender Search
Homebuyer Education
Potential IRS Recapture Tax and NIFA Reimbursement
Not ready to buy a home? Search for an Affordable Rental Housing Development.

Single Family
Income/Purchase Price Limits

INCOME LIMITS
The total combined gross annual income from all sources of all persons 18 years or older expected to live in the home must be less than established program income limits. Income limits are based on the number of family members and change periodically. The limits currently in effect are:

1-2 Family
3+ Family

Members
Members

Non-targeted Areas:

Adams County
$69,960
$81,620

Box Butte County
$69,840
$81,480

Buffalo County
$71,679
$82,431

Burt County
$71,040
$82,880

Butler County
$69,840
$81,480

Cedar County
$68,760
$80,220

Cheyenne County
$71,640
$83,374

Cuming County
$70,560
$82,320

Dakota County
$71,520
$83,397

Dixon County
$71,520
$83,397

Dodge County
$70,680
$82,460

Dundy County
$69,000
$80,500

Gage County
$69,240
$80,780

Hall County
$68,520
$79,940

Hamilton County
$72,139
$82,960

Howard County
$69,360
$80,920

Johnson County
$70,320
$82,040

Kearney County
$71,559
$82,293

Lancaster County (Lincoln MSA)
$70,500
$81,075

Lincoln County
$71,839
$82,615

Madison County
$72,279
$83,121

McPherson County
$71,640
$83,374

Merrick County
$68,520
$79,940

Nemaha County
$69,960
$81,620

Omaha MSA (Cass, Douglas, Sarpy, & Washington Counties)
$71,500
$82,225

Otoe County
$72,120
$83,282

Perkins County
$70,800
$82,600

Phelps County
$72,079
$82,891

Pierce County
$71,640
$83,374

Platte County
$71,899
$82,684

Polk County
$71,640
$83,374

Saline County
$70,440
$82,180

Saunders County
$70,379
$80,936

Seward County
$74,200
$85,330

Stanton County
$68,880
$80,360

Thomas County
$71,640
$83,374

Wayne County
$70,920
$82,740

Wheeler County
$71,640
$83,374

York County
$71,919
$82,707

All Other Counties
$68,400
$79,800

Targeted Areas:

Lancaster County
$84,600
$98,700

Douglas and Sarpy Counties
$85,800
$100,100

Thomas County
$77,280
$90,160

PURCHASE PRICE LIMITS
To qualify for a NIFA loan, the purchase price of the home must not exceed established program limits, which change periodically. The purchase price limits that apply depend upon whether the residence is located in a NIFA Targeted Area or a non-targeted area. The limits currently in effect are:

New/Existing Homes

Non-targeted Areas
$200,000

Targeted Areas
$235,000

2-4 Unit Property Factors: 2 units = 1.126, 3 units = 1.363, 4 units = 1.585