Nebraska USDA loans provide 100% financing for eligible rural and suburban properties throughout the state, making homeownership accessible without a down payment. Don’t let the “rural” designation fool you—many suburban areas near Lincoln and Omaha qualify, along with towns like Waverly, Gretna, Seward, Columbus, Norfolk, Kearney, and hundreds of other Nebraska communities with populations under 35,000. If you’re a low-to-moderate income buyer looking to purchase in eligible areas, USDA Rural Development loans offer zero down, competitive rates, and lower mortgage insurance costs than FHA.