Habitat for Humanity of Omaha Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Douglas County
Buying a home in Waterloo, NE
1 county program and 14 statewide.Waterloo has no program of its own, 1 across Douglas County, 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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What’s local to Waterloo
No program of Waterloo’s own yet
No program run for Waterloo alone is listed. A home in Waterloo can use Douglas County’s programs below, plus the Nebraska statewide and federal ones.
The closest city that runs its own program is Omaha, about 18 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in DouglasAnywhere in Douglas County
1 county program1 county program a Waterloo homebuyer can use
1 more program is for homes in Omaha. See them 1 program in neighboring cities — for homes inside those cities, not Waterloo
- Omaha — Omaha 100 Homebuyer Assistance
The Waterloo marketThe Waterloo housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Waterloo
- 70.7% single-familysingle-family
- 14.3% townhousetownhouse
- 6% 2–4 units2–4 units
- 9% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
About condos. Waterloo’s one local program does not list condos as eligible. Habitat for Humanity of Omaha Homeownership Program lists single family and rowhouse.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Waterloo’s homes were built
pre-19401970s2020+
41.9%
of Waterloo 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.
$114,000
County area median income, 4 people (HUD)HUD area median income, Douglas County, 4-person household (2026)
$67,941
Waterloo median household incomeMedian household income in Waterloo (Census, 2024)
11 of the 77 programs here set their income limit as a share of Douglas County’s area median income, adjusted for household size. See the published limits for Douglas County
Free help nearbyFree help near Waterloo
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
Waterloo’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Omaha Homeownership Program asks 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
Waterloo questions
Does Waterloo have its own down payment program?
No program run for Waterloo alone is listed. A home in Waterloo can use the 1 program that cover Douglas County and the 14 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Waterloo?
Waterloo’s one local program does not list condos as eligible. Habitat for Humanity of Omaha Homeownership Program lists single family and rowhouse. 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 Douglas County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Douglas 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 Waterloo?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Waterloo. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
68069
Nearby in Douglas
Sources
Sources: agency sites (July–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 (July–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.