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Down payment assistance income limits in Nebraska

22 down payment assistance programs in Nebraska publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Nebraska county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Nebraska
CountyPublished4-person median
Adams2026$95,100
Antelope2026$85,600
Arthur2026$113,700
Banner2026$98,200
Blaine2026$68,700
Boone2026$100,200
Box Butte2026$76,000
Boyd2026$101,200
Brown2026$76,000
Buffalo2026$105,800
Burt2026$84,400
Butler2026$110,000
Cass2026$114,000
Cedar2026$104,600
Chase2026$96,200
Cherry2026$77,900
Cheyenne2026$84,600
Clay2026$97,200
Colfax2026$87,000
Cuming2026$98,200
Custer2026$85,700
Dakota2026$97,900
Dawes2026$99,900
Dawson2026$88,900
Deuel2026$91,600
Dixon2026$94,700
Dodge2026$97,400
Douglas2026$114,000
Dundy2026$97,800
Fillmore2026$99,900
Franklin2026$87,400
Frontier2026$79,800
Furnas2026$87,300
Gage2026$97,600
Garden2026$64,900
Garfield2026$83,700
Gosper2026$91,700
Grant2026$93,200
Greeley2026$91,700
Hall2026$89,000
Hamilton2026$113,400
Harlan2026$106,400
Hayes2026$85,100
Hitchcock2026$69,800
Holt2026$86,000
Hooker2026$110,300
Howard2026$100,000
Jefferson2026$79,800
Johnson2026$84,500
Kearney2026$99,300
Keith2026$83,600
Keya Paha2026$78,200
Kimball2026$78,100
Knox2026$90,500
Lancaster2026$106,600
Lincoln2026$90,700
Logan2026$94,600
Loup2026$85,800
Madison2026$90,000
Mcpherson2026$74,200
Merrick2026$96,500
Morrill2026$87,400
Nance2026$92,600
Nemaha2026$78,700
Nuckolls2026$94,100
Otoe2026$114,900
Pawnee2026$83,400
Perkins2026$90,100
Phelps2026$102,900
Pierce2026$90,700
Platte2026$93,200
Polk2026$97,300
Red Willow2026$97,000
Richardson2026$86,500
Rock2026$76,000
Saline2026$95,600
Sarpy2026$114,000
Saunders2026$117,600
Scotts Bluff2026$90,900
Seward2026$106,200
Sheridan2026$78,500
Sherman2026$79,700
Sioux2026$75,300
Stanton2026$99,800
Thayer2026$89,900
Thomas2026$84,600
Thurston2026$77,200
Valley2026$90,700
Washington2026$114,000
Wayne2026$90,200
Webster2026$78,000
Wheeler2026$88,300
York2026$98,700

Published limits by program

Published income limits and purchase price caps by program in Nebraska
ProgramIncome limitPrice cap
Build HomeStatewide · Statewide$159,180NIFA household income limits per IRS Section 143 (MRB). 1-2 person non-targeted ~$104,200; 3+ person non-targeted ~$119,830; 1-2 person targeted ~$125,040; 3+ person targeted up to $159,180. Limits vary by county. See NIFA Info Sheet (Rates & Limits).$470,000
Community Action Partnership of Mid-Nebraska Down Payment and Closing Cost AssistanceMultiple (Kearney, Lexington, +) · Multiple (Buffalo, Dawson, Adams, Lincoln, Phelps + central/western NE service area)See programHousehold gross annual income may not exceed 80% of area median income for the county of assistance; varies by county and family size. Example (Dawson County, 2022 release): up to $56,250 for a household of four. Verify current limits with the agency.—
Down Payment AssistanceLincoln · Lancaster120% of area median incomeNWL DPA income range $60,200-$141,900 reflects HUD AMI by household size for Lincoln MSA, with 50% AMI baseline for some products and up to 120% AMI for affordable homes in target neighborhoods. Specific eligibility tier determined at application.$247,000
Down Payment Assistance (NeighborWorks Lincoln)Lincoln · LancasterSee programAssistance amount based on household income and purchase price; max existing-home purchase price $247,000 (HUD, eff. 9/1/2024).—
Down Payment Assistance ProgramNorfolk · Multiple$115,650NPHA DPA income range $46,350-$115,650 reflects HUD income limits by household size for NPHA's multi-county service area. Specific limits vary by county within the 15-county service area.—
FHLBank Topeka Homeownership Possibilities Expanded (HOPE)115% of area median incomeHousehold income at or below 115% of Area Median Income (AMI). 2026 TurnKey income limits published at fhlbtopeka.com.—
FHLBank Topeka Homeownership Set-aside Program (HSP)80% of area median incomeHousehold income at or below 80% of Area Median Income (AMI). 2026 TurnKey income limits published at fhlbtopeka.com; calculated using the FHLBank AHP/TurnKey Income Calculation Guide.—
First Time Homebuyer programLincoln · Lancaster120% of area median incomeNWL FTHB program income range $57,200-$126,563 reflects HUD AMI by household size for the Lincoln MSA (50% AMI floor / 120% AMI ceiling for various property types).$238,165
Habitat for Humanity of Omaha Homeownership ProgramOmaha · Douglas80% of area median incomeGenerally 30%-80% of Area Median Income (AMI) for the Omaha area, adjusted by household size; reviewed individually.—
High Plains CDC Closing Cost AssistanceSee programAwarded based on income qualification—
Homebuyer Assistance ProgramStatewide · Statewide$159,180NIFA household income limits per IRS Section 143 (MRB). Approximately $104,200 (1-2p non-targeted) / $119,830 (3+p non-targeted); higher in NIFA-designated target census tracts up to $125,040 (1-2p) / $159,180 (3+p). Limits vary by county.$470,000
Homeownership AssistanceNorfolk · Multiple$106,750NWNEN income range $19,000-$106,750 reflects HUD AMI by household size for the seven-county NE Nebraska service area. Lower bound ~30% AMI (1-person), upper bound ~120% AMI (8-person family).—
Military Home Program$175,500NIFA household income limit of $175,500 effective 7/7/2025 (varies by home location and household size).—
NeighborWorks Northeast Nebraska New Construction Down Payment AssistanceNorfolkSee programAnnual household income cannot exceed HUD-established guidelines—
NENEDD Direct Homebuyer Assistance ProgramSee programEligibility determined by family size and household gross income; income limits vary by county and follow HUD limits$308,000
Northern Ponca Housing Authority Homeownership AssistanceSee programMeet income requirements as determined by HUD guidelines—
Omaha 100 Homebuyer AssistanceOmaha · Douglas80% of area median incomeTotal household income at or below 80% of Area Median Income (HUD).—
Purchase Resell Rehab Down Payment Assistance (NeighborWorks Northeast Nebraska)NorfolkSee programAnnual household income cannot exceed HUD-established guidelines.—
SENCA HOMES Down Payment AssistanceSee programHousehold income must not exceed 80% or 100% of area median income depending on funding source—
USDA Single Family Housing Direct Home Loans (Section 502 Direct) - NebraskaSee programAdjusted household income must be at or below the applicable low-income limit for the area (USDA Direct income limits by county)—
Welcome Home Assistance (WHA)$175,500NIFA household income limit of $175,500 effective 7/7/2025 (varies by home location and household size).—
Welcome Home ProgramStatewide · Statewide$175,500NIFA Welcome Home household income limit: $175,500 effective 7/7/2025. This single cap applies regardless of household size or county.$485,500

Questions, answered

What are the income limits for down payment assistance in Nebraska?

22 down payment assistance programs in Nebraska publish an income limit, a purchase price cap, or both. 6 express the limit as a percentage of the area median income for the county where the home is, and 9 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

How income limits work, nationally →

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