How much down payment assistance can I get in Nevada?

Nevada's Home Is Possible program gives up to 4% of your loan amount toward the down payment and closing costs, with a 640 minimum credit score, statewide. Worker Advantage adds $20,000 for eligible essential workers, and Home At Last covers the rural counties through Nevada Rural Housing. You use one program per purchase; it layers onto your FHA, VA, USDA, or conventional first mortgage.

What credit score do you need for Nevada down payment assistance?

Home Is Possible requires a 640 credit score (660 on a manufactured home). FHA on its own allows 580, and conventional wants 620. There's no single number across all programs — a 600 score still has real options, and a focused 60–90 days of credit work can move you into a better tier.

Free Guide · Updated 2026

The 2026 Nevada Down Payment Assistance Guide

Q: Do you have to be a first-time buyer for Home Is Possible?

No. Home Is Possible is available to first-time and repeat buyers statewide. Income limits apply and vary by county and household size, so eligibility depends on where you're buying, not on whether you've owned before.

Down payment help in Nevada, explained: Home Is Possible, Worker Advantage, and the rural Home At Last program — amounts, credit, and how they stack. Read it here or get it emailed.

What down payment assistance is available in Nevada?

Nevada's main program is Home Is Possible from the Nevada Housing Division: up to 4% of your loan amount toward the down payment and closing costs, with a 640 minimum credit score. It works statewide with FHA, VA, USDA, and conventional loans through participating lenders. You don't have to be a first-time buyer.

The Nevada programs, compared

Program	What you get	Who it's for
Home Is Possible	Up to 4% of the loan amount, 640 credit	Statewide, first-time or repeat buyers
Worker Advantage	$20,000 in down payment assistance	Eligible essential workers (new in 2025)
Home At Last	Down payment assistance for rural counties	Nevada Rural Housing areas (outside Clark & Washoe)
Home Is Possible for Teachers	Assistance tailored to educators	Licensed Nevada teachers

Where you're buying matters

In Clark County (Las Vegas, Henderson, North Las Vegas) you have Home Is Possible plus local Southern Nevada assistance. In Washoe County (Reno, Sparks) it's Home Is Possible plus northern-Nevada city and county programs. In the rural counties, Nevada Rural Housing's Home At Last program adds another path. We match you to the right one for your county.

Credit and income

Home Is Possible needs a 640 credit score (660 on a manufactured home). Income limits apply and vary by county and household size, so a number that disqualifies you in one county may be fine in another. If your score isn't there yet, a focused 60–90 days can move you a tier. We check your exact county limits before you count yourself out.

See which assistance you qualify for →

Figures reflect current 2026 program guidelines; caps and terms change — confirm current numbers with a specialist. Sources: Nevada Housing Division (homeispossiblenv.org), Nevada Rural Housing (nvrural.org), HUD, VA, Fannie Mae, Freddie Mac. This is not a commitment to lend.