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Nebraska program

Homebuyer Assistance Program

Nebraska route through Nebraska Investment Finance Authority (NIFA). Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Second mortgage with 1% interest Check official rules 2026-04-19
Agency Nebraska Investment Finance Authority (NIFA)
Support type Second mortgage with 1% interest
Amount highlight A statewide first mortgage paired with a second mortgage loan for down payment and closing costs, with the second loan capped at 5 percent of the home's purchase price.
Last verified 2026-04-19

Open questions

HBA is a paired first-and-second package

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The statewide HBA page is not a stand-alone grant. It is a mortgage package with a repayable 1 percent second lien layered into the first mortgage closing.

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Nebraska program hub

Amount

A statewide first mortgage paired with a second mortgage loan for down payment and closing costs, with the second loan capped at 5 percent of the home's purchase price.

Type

Second mortgage with 1% interest

Repayment

NIFA says the HBA second mortgage loan uses a 10-year term and a 1 percent interest rate. Buyers should expect a repayable second lien rather than forgiveness, with the participating lender documenting the final amortization and closing figures.

First-time buyer

Required

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

Nebraska first-time homebuyers who meet NIFA eligibility rules, Borrowers using a participating NIFA lender, Buyers using a qualifying Conventional, FHA, USDA Rural Development, or VA first mortgage

What support do you get?

A statewide first mortgage paired with a second mortgage loan for down payment and closing costs, with the second loan capped at 5 percent of the home's purchase price.

Do you repay it?

NIFA says the HBA second mortgage loan uses a 10-year term and a 1 percent interest rate. Buyers should expect a repayable second lien rather than forgiveness, with the participating lender documenting the final amortization and closing figures.

How do you apply?

Work with a participating NIFA lender, complete the lender's reservation process for the statewide HBA first and second mortgage package, and close both the first mortgage and the 1 percent assistance second lien through that lender.

Official source evidence

The official NIFA Homebuyer Assistance page says the program opens the door even if the buyer lacks down payment or closing-cost cash, includes a first and second mortgage loan, and limits the second mortgage to 5 percent of the purchase price with a 120-month term at 1 percent interest.

View official source

Last verified

2026-04-19

rates posted 2026-04-09

Paid preview

What paid access adds for Homebuyer Assistance Program

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

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Comparison preview

Homebuyer Assistance Program

Amount: A statewide first mortgage paired with a second mortgage loan for down payment and closing costs, with the second loan capped at 5 percent of the home's purchase price.

Repayment: NIFA says the HBA second mortgage loan uses a 10-year term and a 1 percent interest rate. Buyers should expect a repayable second lien rather than forgiveness, with the participating lender documenting the final amortization and closing figures.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • Homebuyer Assistance Program requires a participating lender.
  • Homebuyer Assistance Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Does Homebuyer Assistance Program require a participating lender for this household and loan setup?
  • Which first-mortgage product must be paired with Homebuyer Assistance Program, and can it be combined with the saved options?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply.
  • Confirm whether Homebuyer Assistance Program requires a participating lender.
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Paid research preview

What paid research already covers in Nebraska

Paid research already tracks city and county programs for Nebraska.

1 tracked deeper records

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

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Private workspace

What paid access adds to this program

The free page gives you the public facts. Paid access turns this program into a shortlist item, comparison row, risk check, and lender-call prep surface.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.

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Decision output

Comparison, risk checks, and lender prep

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