Deferred second loan
Down Payment Assistance
First-time homebuyers · Income limits · Existing single-family homes anywhere within Lincoln city limits. Some condos/townhouses eligible per NWL underwriting.
Down payment assistance · Lancaster County
Buying a home in Lincoln, NE
3 Lincoln programs and 14 statewide.Lincoln has 3 programs of its own, and 14 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Lincoln addresses
Lincoln’s own programs
Deferred second loan
Down Payment Assistance (NeighborWorks Lincoln)
Income limits · Existing single-family homes within Lincoln city limits
Deferred second loan
First Time Homebuyer program
First-time homebuyers · Income limits · Existing single-family homes within Lincoln city limits · some condos/townhouses per NWL underwriting.
The Lincoln marketThe Lincoln housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lincoln
- 55.5% single-familysingle-family
- 8.3% townhousetownhouse
- 6.1% 2–4 units2–4 units
- 28.7% 5+ unitscondo & apartment buildings (5+ units)
- 1.5% mobile & othermobile home & other
Condos count. 2 of Lincoln’s 3 local and county programs accept condos. Down Payment Assistance (NeighborWorks Lincoln) lists existing single-family homes within lincoln city limits.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lincoln’s homes were built
pre-19401970s2020+
47.4%
of Lincoln homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$106,600
County area median income, 4 people (HUD)HUD area median income, Lancaster County, 4-person household (2026)
$71,867
Lincoln median household incomeMedian household income in Lincoln (Census, 2024)
12 of the 79 programs here set their income limit as a share of Lancaster County’s area median income, adjusted for household size. See the published limits for Lancaster County
Free help nearbyFree help near Lincoln
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.2 of the 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Nebraska and nationwide
76 statewide & federal programs14 statewide programs, plus federal options
Lincoln questions
Does Lincoln have its own down payment program?
Yes, 3: Down Payment Assistance, Down Payment Assistance (NeighborWorks Lincoln) and First Time Homebuyer program. Each is for homes inside Lincoln.
Can I use assistance on a condo in Lincoln?
2 of Lincoln’s 3 local and county programs accept condos. Down Payment Assistance (NeighborWorks Lincoln) lists existing single-family homes within lincoln city limits. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Lancaster County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Lancaster County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Lincoln?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Lincoln. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
68501 · 68502 · 68503 · 68504 · 68505 · 68506 · 68507 · 68508 · 68509 · 68510 · 68512 · 68514 · 68516 · 68517 · 68520 · 68521 · 68522 · 68523 · 68524 · 68526 · 68527 · 68528 · 68529 · 68531 · 68532 · 68542 · 68583 · 68588
Nearby in Lancaster
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.