$0 Down · No PMI · Veteran-Owned
VA Loans in Nebraska
Nebraska's military center of gravity is Offutt Air Force Base in Bellevue — home of U.S. Strategic Command — with roughly 120,000 veterans statewide and a metro Omaha economy that consistently ranks among the nation's most stable.
120K
Nebraska Veterans
1
Military Installations
$0
Down Payment
$832,750
2026 Baseline Limit
Why Nebraska
A VA team that knows Nebraska’s military markets
Sarpy County's Bellevue, Papillion, La Vista, and Gretna form one of the Midwest's premier military housing corridors: strong schools, short commutes to Offutt, and prices near the national median that full VA entitlement covers effortlessly.
Offutt's STRATCOM headquarters, the 55th Wing's reconnaissance fleet, and a dense contractor ecosystem sustain Sarpy County's growth. Bellevue sits at the gate; Papillion and Gretna add newer construction and top-ranked schools; Omaha proper and Lincoln round out the state's veteran population.
Beyond the Loan
More Nebraska benefits you earned
The VA loan is one piece of what Nebraska owes its veterans. Here’s the rest of the stack — worth real money every year:
Income Tax
Retirement untaxed
Nebraska fully exempts military retirement pay from state income tax.
Education
Dependents' waiver
Tuition waived at state colleges for dependents of qualifying deceased or 100% disabled Nebraska veterans.
Vehicle
Plates
Veteran and DV plates for qualifying Nebraska veterans.
Recreation
Park & license discounts
Reduced-fee permits and licenses for qualifying disabled veterans.
Benefit rules and amounts change with each legislative session — confirm current details with the Nebraska Department of Veterans' Affairs. When you work with us, we walk through which of these apply to your purchase and your budget.
Official VA Data
Nebraska VA lending, by the numbers
3,556
VA Loans Closed (FY2025)
$1.2B
VA Dollars Guaranteed (FY2025)
$327K
Average VA Loan
120,419
Veterans in NE
Nebraska veterans closed 3,556 VA loans in fiscal year 2025 — 2,216 of them home purchases — and the VA paid $0.9 billion in disability compensation and pension to Nebraska veterans in FY2024. Every veteran receiving that compensation is exempt from the VA funding fee.
Sources: VA Loan Guaranty loans-by-state report, FY2025 · VetPop2023 state projections (NCVAS) · VA Geographic Distribution of Expenditures, FY2024.
Bases We Serve
Military installations in Nebraska
Every installation below anchors a housing market our team lends in — PCS moves, first purchases on BAH, and buy-then-rent strategies included.
2026 BAH Rates
Compare BAH across Nebraska’s installations
BAH is set per housing area, not per state — and it counts as qualifying income on a VA loan. Here’s how Nebraska’s duty stations compare at key pay grades.
| Installation | E-4 | E-5 | E-6 | E-7 | O-3 |
|---|---|---|---|---|---|
| Offutt Air Force Base | $1,887 | $2,085 | $2,376 | $2,457 | $2,601 |
2026 monthly BAH, with dependents, from official DoD (DTMO) rate data. Click any installation for all 24 pay grades, without-dependents rates, and a payment-vs-BAH estimator for that housing area.
2026 Program Facts
What the VA loan gets you in Nebraska
$0 Down Payment
Buy with no down payment on loans within your entitlement — the signature VA benefit.
No PMI
VA loans never charge monthly private mortgage insurance, keeping payments lower than FHA or low-down conventional.
Competitive Rates
The VA guaranty lets lenders price VA loans below comparable conventional rates for most borrowers.
Flexible Credit
The VA sets no minimum credit score — guidelines focus on residual income and the whole picture.
Limited Closing Costs
The VA restricts which fees veterans can be charged, and sellers may pay all of them plus concessions.
Reusable for Life
VA entitlement is a lifetime benefit — it can be restored and reused, and you can hold more than one VA loan at once.
VA loan vs. conventional in Nebraska
| Feature | VA Loan | Conventional |
|---|---|---|
| Down payment | $0 required | 3–20% (20% to avoid PMI) |
| Monthly mortgage insurance | Never | Required under 20% down |
| Minimum credit score | None set by VA | Typically 620+ |
| Interest rates | Typically below conventional | Higher without large down payment |
| Upfront fee | Funding fee 2.15% first use (waived with disability rating) | None |
| Prepayment penalty | Never | Rare, but possible |
| Loan limit | None with full entitlement | $832,750 baseline (2026) |
| Assumable by a buyer | Yes — VA loans are assumable | Generally not |
2026 VA loan limits in Nebraska
With full entitlement, the VA does not cap your loan amount — county loan limits only apply when you have reduced entitlement (an existing VA loan or a prior default). For reduced-entitlement borrowers, the 2026 baseline county limit is $832,750, and designated high-cost counties range up to $1,873,675.
The VA funding fee, plainly
- First use, under 5% down: 2.15%
- Subsequent use, under 5% down: 3.30%
- With 5% down: 1.50% · with 10% down: 1.25%
- Streamline refinance (IRRRL): 0.50%
Veterans receiving VA disability compensation at any rating are fully exempt from the funding fee, as are eligible surviving spouses and Purple Heart recipients on active duty.
Where We Lend
Nebraska cities we serve
From base-gate communities to the metros veterans choose after service, these are the Nebraska markets where our VA lending is most active.
- Bellevue~$303K
- Omaha~$301K
- Papillion~$416K
- La Vista~$314K
- Gretna~$432K
- Lincoln~$298K
Typical home values: Zillow Home Value Index, 2026-06.
Straight Answers
Nebraska VA loan questions, answered
Is there a VA loan limit in Nebraska?
Not with full entitlement. With reduced entitlement, every Nebraska county uses the 2026 baseline of $832,750 — well above typical Sarpy County price points.
Bellevue, Papillion, or Gretna for an Offutt assignment?
Bellevue for proximity and value, Papillion for its nationally ranked schools, Gretna for new construction on the growth edge. All three close VA loans every week — we model payments against your BAH for each.
Does BAH cover a mortgage near Offutt?
For most ranks, comfortably — Omaha-metro BAH against Sarpy County price points is one of the friendlier ratios among major headquarters bases.
Is Omaha a good market for a buy-then-rent strategy?
Yes — Offutt's constant rotation plus Omaha's stable economy produce dependable tenant demand, and VA loans permit converting to a rental after you've occupied the home.
Does Nebraska tax military retirement?
No — military retirement pay is now fully exempt from Nebraska income tax, and disabled veterans have homestead exemption categories on top.
Ready When You Are
Start your Nebraska VA loan with a team that’s worn the uniform
Get a clear pre-approval, honest numbers, and a VA process handled by people who understand PCS timelines and military life firsthand.