Nebraska · Low-interest loan

NIFA Homebuyer Assistance (Nebraska)

5% at 1% interest — only $1K out of pocket

5% of purchase price as 10-year second mortgage at 1% interest. Only $1,000 minimum from buyer.

Nebraska Investment Finance Authority's Homebuyer Assistance provides 5% of the purchase price in DPA at just 1% interest. On a $200,000 home, that's $10,000 at a rate that adds roughly $32/month to your payment — a fraction of what the DPA saves you in reduced down payment needs.

Nebraska's housing market remains one of the most affordable in the country, with Omaha and Lincoln both offering solid job markets alongside reasonable home prices. NIFA's program helps first-time buyers take advantage of this affordability while it lasts.

Amount5% at 1% interest — only $1K out of pocket
TypeLow-interest loan
Available inNebraska
First-time buyer requiredYes
Minimum credit score640
Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
All Nebraska programs →

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