Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.
Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.
Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.
The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.
Statewide and Regional Programs
Statewide Home Buyer Programs – The Nebraska Investment Finance Authority offers several programs to assist first-time homebuyers
Nebraska Community Action Agencies – First-time homeowners can receive a referral or a down payment on a mortgage through their local, participating agency
Central Nebraska Community Services – Blaine, Boone, Boyd, Brown, Colfax, Custer, Garfield, Greeley, Hall, Hamilton, Holt, Howard, Keya Paha, Loup, Merrick, Nance, Platte, Rock, Sherman, Valley, and Wheeler counties
Community Action Partnership of Mid-Nebraska – Buffalo, Franklin, Frontier, Furnas, Gosper, Harlan, Kearney, Phelps, and Red Willow counties
Panhandle Community Services – Banner, Cheyenne, Deuel, Garden, Kimball, Morrill, and Scotts Bluff counties
Southeast Nebraska Community Action Council – Cass, Johnson, Nemaha, Otoe, Pawnee, and Richardson counties
Northern Ponca Housing Authority – programs for Native Americans in select areas of Northeastern Nebraska
Nebraska Affiliates of Habitat for Humanity – through volunteer labor, builds and rehabilitates houses for families in need
U.S. Department of Agriculture Rural Housing – homebuyer programs in rural communities
Homeowner education programs – learn how to purchase and maintain a home of your own
Community contacts – find out if your community offers homeownership assistance
Programs by City/Town
Northeast Housing Initiative
P.O. Box 226
Allen, NE 68710-0226
Phone: (402) 635-2078
Contact: Linda Kastning or Kellee Nelson
Housing Development Corporation
301 S. Burlington Ave.
Hastings, NE 68902-1005
Phone: (402) 461-8407
Contact: Linda Addison, Executive Director
City of Lincoln
Nebraska Housing Resource
Norfolk – partnership between the City of Norfolk and the Elkhorn Valley Community Development Corporation
Lincoln County Community Development Corporation
P.O. Box 1413
502 South Dewey Street
North Platte, NE 69103
Phone: (308) 534-5095
Contact: Nancy Striebel