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Nebraska Investment Finance Authority (NIFA) Welcome Home

Nebraska route through Nebraska Investment Finance Authority (NIFA). This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Multiple assistance options Multiple repayment paths 2026-04-23
Agency Nebraska Investment Finance Authority (NIFA)
Support type Multiple assistance options
Amount highlight Welcome Home is the statewide first-mortgage path. The same official page also documents Welcome Home Assistance, which adds a second mortgage for down payment and closing costs up to 5% of purchase price at 1% interest for 120 months. Current rates are dynamic and should be dated: as of 2026-04-22, Welcome Home showed 6.750% conventional and 6.250% government first-mortgage rates, while Welcome Home Assistance showed 7.000% conventional and 6.500% government first-mortgage rates plus a 1.000% second mortgage.
Last verified 2026-04-23

Open questions

Welcome Home and WHA share a page, and education language conflicts

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

NIFA uses one official page for the base Welcome Home mortgage and the Welcome Home Assistance variant. Confirm with the lender whether the file includes the 1% second mortgage, and treat the homebuyer-education rule as an official conflict rather than as a single settled statewide rule.

Source note: The Welcome Home page and lender manual say homebuyer education is required for first-time buyers, while the broader Homebuyer Education page and approved-classes PDF use wider wording that can read as applying to all occupying borrowers. The public page should keep this as an official conflict note rather than forcing one rule.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Nebraska program hub if you need the wider state context.

Amount

Welcome Home is the statewide first-mortgage path. The same official page also documents Welcome Home Assistance, which adds a second mortgage for down payment and closing costs up to 5% of purchase price at 1% interest for 120 months. Current rates are dynamic and should be dated: as of 2026-04-22, Welcome Home showed 6.750% conventional and 6.250% government first-mortgage rates, while Welcome Home Assistance showed 7.000% conventional and 6.500% government first-mortgage rates plus a 1.000% second mortgage.

Type

Multiple assistance options

Statewide first mortgage with optional assistance second mortgage

Repayment

Base Welcome Home follows the underlying first mortgage. Welcome Home Assistance uses a second mortgage up to 5% of purchase price at 1% interest for 120 months. Current official materials do not present one universal forgiveness rule across both variants, and the safer public reading is to treat WHA as a repayable assistance second mortgage rather than as a grant.

First-time buyer

Not required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Nebraska first-time homebuyers, Nebraska repeat homebuyers, Borrowers using a participating NIFA lender, Buyers meeting the published statewide income, purchase-price, credit-score, and debt-to-income rules

What support do you get?

Welcome Home is the statewide first-mortgage path. The same official page also documents Welcome Home Assistance, which adds a second mortgage for down payment and closing costs up to 5% of purchase price at 1% interest for 120 months. Current rates are dynamic and should be dated: as of 2026-04-22, Welcome Home showed 6.750% conventional and 6.250% government first-mortgage rates, while Welcome Home Assistance showed 7.000% conventional and 6.500% government first-mortgage rates plus a 1.000% second mortgage.

Do you repay it?

Base Welcome Home follows the underlying first mortgage. Welcome Home Assistance uses a second mortgage up to 5% of purchase price at 1% interest for 120 months. Current official materials do not present one universal forgiveness rule across both variants, and the safer public reading is to treat WHA as a repayable assistance second mortgage rather than as a grant.

How do you apply?

Follow the current NIFA five-step path: review eligibility, complete the required homebuyer education path, contact a participating NIFA lender for prequalification, work with a real-estate professional to find an eligible home, and then have the participating lender originate either the base Welcome Home mortgage or the Welcome Home Assistance variant.

Application timing

After an accepted purchase agreement, the participating lender enters the NIFA loan reservation. NIFA says rates are valid for 120 days from the reservation date, targets a 24- to 48-hour compliance-review turnaround, and recommends submitting pre-closing files at least five business days before closing.

Official source evidence

Current NIFA materials show Welcome Home remains live statewide for first-time and repeat buyers, with a statewide household income cap of $175,500, purchase-price caps of $485,500 for one-unit homes and $607,000 for two-unit homes, owner-occupancy within 60 days, and a separate Welcome Home Assistance variant that adds a 1% second mortgage up to 5% of purchase price.

View official source

Last verified

2026-04-23

current rates snapshot 2026-04-22; limits effective 2025-07-07; lender manual dated 2026-02-02

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Comparison preview

Nebraska Investment Finance Authority (NIFA) Welcome Home

Amount: Welcome Home is the statewide first-mortgage path. The same official page also documents Welcome Home Assistance, which adds a second mortgage for down payment and closing costs up to 5% of purchase price at 1% interest for 120 months. Current rates are dynamic and should be dated: as of 2026-04-22, Welcome Home showed 6.750% conventional and 6.250% government first-mortgage rates, while Welcome Home Assistance showed 7.000% conventional and 6.500% government first-mortgage rates plus a 1.000% second mortgage.

Repayment: Base Welcome Home follows the underlying first mortgage. Welcome Home Assistance uses a second mortgage up to 5% of purchase price at 1% interest for 120 months. Current official materials do not present one universal forgiveness rule across both variants, and the safer public reading is to treat WHA as a repayable assistance second mortgage rather than as a grant.

First-time buyer: Not required

Timing: After an accepted purchase agreement, the participating lender enters the NIFA loan reservation. NIFA says rates are valid for 120 days from the reservation date, targets a 24- to 48-hour compliance-review turnaround, and recommends submitting pre-closing files at least five business days before closing.

Risk checks preview

What gets flagged before you call a lender

  • Nebraska Investment Finance Authority (NIFA) Welcome Home requires a participating lender.
  • Nebraska Investment Finance Authority (NIFA) Welcome Home must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Nebraska Investment Finance Authority (NIFA) Welcome Home for this household and loan setup?
  • Which first-mortgage product must be paired with Nebraska Investment Finance Authority (NIFA) Welcome Home, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official Welcome Home page for Nebraska Investment Finance Authority (NIFA) Welcome Home
  • Ask whether your lender is approved for this exact program and loan structure.
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