Housing Support

The Department of Urban Development (UDD) provides a spectrum of housing support for low- to moderate-income households:

Home Rehabilitation

Federally funded Housing Rehabilitation programs provide 0% interest loans that help low- and moderate-income homeowners rehabilitate their homes. To apply for any of the Urban Development home repair loans, please print out and complete the application(PDF, 436KB). To speed up your application process, please include all requested materials with your pre-application. If you have further questions, please call 402-441-7864, email urbandev@lincoln.ne.gov, or stop by 555 S.10th Street, Suite 205.


Emergency Repair Loan Program
  • For emergency repair, such as replacing furnaces, water heaters, dangerous wiring, etc.
  • For homeowners within the city limits -- see interactive map
  • Homeowner must live on the property
  • All members of the homeowner's household must be U.S. citizens or qualified aliens
  • 0% interest deferred payment loans
  • Income cannot exceed 50% of Lincoln median income(PDF, 56KB)    

      Electrical Panel - Scorched, before repairElectrical Panel - new, after repair

Direct/Deferred Loan Program

  • Property can have 1-4 living units but the homeowner must live on the property
  • Property must be in low- and moderate-income (LMI) areas -- see interactive map
  • All members of the homeowner's household must be U.S. citizens or qualified aliens
  • Annual income cannot exceed 80% of Lincoln median income(PDF, 56KB)
  • For eligible repairs and improvements — call 402-441-7864 for more information
  • Direct loans have a 0% interest rate and a minimum monthly payment of $50
  • Deferred loans also have a 0% interest rate, but your monthly payments are deferred for two years

House before rehabilitation - in need of repairHome after repairs & improvements


Home Ownership

Programs funded by the Urban Development Department and administered through NeighborWorks®Lincoln help moderate-income people become successful first-time homeowners.
First Time Home Buyer Program
  • Applicant must not have owned a home in the past 3 years
    (There are some exceptions — contact NeighborWorks®Lincoln for details)
  • Applicant must live on the property being purchased
  • Property must be within the city limits
  • Household annual income cannot exceed 80% of Lincoln median income(PDF, 56KB)
  • Applicant must attend and complete Homebuyer Training offered by NeighborWorks®Lincoln (see below) 

Happy new homeowners who used First HomeHappy new homeowners

     Home Buyer Training

  • Provided through NeighborWorks®Lincoln and taught by experienced staff
  • Free to prospective first-time homebuyers who meet program requirements
  • Offered 12 times per year, with 15 to 20 households participating each time
  • Each two-week course includes 4 three-hour sessions, for a total of 12 classroom hours
  • Topics include:
    • Analyzing and managing finances, budget, and credit
    • Evaluating homes and affordability
    • Working with Realtors and neighborhood leaders
    • Understanding financial paperwork, closing costs, and money needed for purchasing a home
    • Learning the rights and responsibilities of homeownership


Affordable New Housing 

UDD contributes surplus City property for building sites on which local nonprofit groups build new affordable housing. Those nonprofits include: Habitat for Humanity, the Affordable Housing InitiativeNeighborWorks®Lincoln, and the Lincoln Housing Authority.

Government Resources for Homebuyers

As homebuyers move closer to homeownership, they will work with realtors and lenders, many of whom will be aware of the various government programs available to help homebuyers. Even so, as a homebuyer, you will be better prepared if you research these government resources yourself. This list of websites is not comprehensive, but it can get you started:


   Additional Resources




To help homeless and near homeless people, Urban Development Department works with the Lincoln Homeless Coalition. The Coalition represents organizations that serve homeless and near homeless clients, including State, County, and City governments, nonprofits, banks, housing developers, neighborhood associations, businesses, foundations and homeless/formerly homeless persons. Urban Development Department staff provide facilitation and support.

The Homeless Coalition develops and produces an annual application for funding from the U.S. Housing and Urban Development Department. The application includes:

  • A Point-in-Time Count which estimates the number and characteristics of Lincoln's homeless population
  • An inventory of emergency, transitional, and permanent housing
  • An inventory of available housing services
  • Strategies and goals to address homelessness in Lincoln.

Lincoln Continuum of Care Meetings are held 9:00 a.m. to 10:30 a.m. on the 4th Friday of each month, at Northbridge Community Center - Cedars, 1533 N. 27th Street. For more information, call 402-441-7856 or contact urbandev@lincoln.ne.gov.

     Provider Resources