Nebraska FHA loans provide an excellent path to homeownership for first-time buyers and anyone with limited down payment funds or credit challenges. Backed by the Federal Housing Administration, these loans require just 3.5% down (with 580+ credit) and offer more lenient qualification requirements than conventional mortgages. Whether you’re buying your first home in Lincoln, purchasing in Omaha, or anywhere throughout Nebraska, FHA loans make homeownership accessible even if you haven’t saved a large down payment or have past credit issues.