Nevada offers 13 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 2 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.
Maximum assistance available reaches $50,000 through the most generous program. Most programs require the home to be your primary residence, and many require homebuyer education.
Top Down Payment Assistance Programs in Nevada
Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.
FHLBank SF Middle-Income Downpayment Assistance (MDPA) Program
verifyFederal Home Loan Bank of San Francisco (FHLBank SF)
UP TO $50,000 (non-repayable grant)
RNDC DPA Deferred Loan Program
verifyRural Nevada Development Corporation (RNDC)
UP TO $30,000 (HOME funds) or UP TO $25,000 (HMNI funds)
The WISH Down Payment Assistance program
openNevada Partners, Inc.
$30,000
Home Means Nevada Rural DPA
verifyNevada Rural Housing Authority
$25,000
Worker Advantage Program
verifyNevada Housing Division (NHD)
$20,000
Grant Programs (2)
Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.
FHLBank SF Middle-Income Downpayment Assistance (MDPA) Program
Federal Home Loan Bank of San Francisco (FHLBank SF)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80-140% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, manufactured, 2-4 unit
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80.01% to 140% of HUD Area Median Income (AMI). Minimum $10,000 borrower contribution required. Exception: borrowers at or below 80% AMI denied for FHA due to WISH program requirements may qualify.
Check AMI limits for your county →Down Payment Assistance
Confederated Tribes of Grand Ronde - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Deferred Payment Loans (10)
Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.
RNDC DPA Deferred Loan Program
Rural Nevada Development Corporation (RNDC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Interest Rate
0%
Repayment Terms
Deferred, 0% interest. No payment required while home is primary residence. Forgiven after 3-10 years depending on which program (HOME vs. HMNI), if home remains primary residence. Full balance due upon sale or transfer of title during affordability period. Secured by Deed of Trust, Promissory Note, and loan agreement.
Notes
Required
The WISH Down Payment Assistance program
Nevada Partners, Inc.
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Home Means Nevada Rural DPA
Nevada Rural Housing Authority
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $647,200
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4, USDA-RD +1, USDA-RD, Fannie Mae +3, Fannie Mae +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Culinary & Bartenders Housing Partnership Program
Nevada Partners, Inc.
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Household income limits apply; specific ...
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, Conventional
- Assistance Type
- deferred loan
- Profession
- Culinary Workers Union Local 226 and Bartenders Un...
- Homebuyer Ed.
- Yes
Income Limits
Household income limits apply; specific thresholds require direct verification with Nevada Partners (multiple dated versions exist). Approximate current range per DPA One: $51,700-$100,550 depending on household size.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Deferred silent second mortgage, 0% interest. No repayment required unless home is sold, rented, or refinanced. If sold, rented, or refinanced, full loan balance repaid at face value (no interest charges). Not forgiven.
Additional Requirements
Must be a member of Culinary Union Local 226 or Bartenders Union Local 165 and work at a participating hotel/casino. FHA: 3.5% down payment required from buyer. Conventional: 1% of purchase price required from buyer. Must complete orientation class, 8-hour homebuyer education course, and one-on-one counseling session. Home must be primary residence in Clark or Nye County.
Notes
Program established 2008 per Culinary/Bartenders collective bargaining agreement. Funded in partnership with Nevada Housing Division. Has helped 1,050+ union families. Apply through Nevada Partners at (702) 395-0586.
Home Is Possible for Teachers
Nevada Housing Division
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, Manufactured
- Max Price
- $806,500
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Home Is Possible for First-Time Homebuyers
Nevada Housing Division
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $746,181
Quick Facts
- Loan Types
- FHA, VA, USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Home is Possible
Nevada Housing Division
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, Manufactured
- Max Price
- $806,500
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Home At Last™
Nevada Rural Housing Authority
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- USDA-RD, FHA, VA, Freddie Mac, Fannie Mae, USDA-RD +4, USDA-RD +1, Fannie Mae +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Forgivable - Fully forgiven at closing or forgiven on a schedule
Chenoa Fund FHA Down Payment Assistance Forgivable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Repayable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Note rate 1% above the first mortgage note rate
Repayment Terms
This loan does require a monthly payment on the second mortgage.
Second Mortgages (1)
These programs provide DPA as a second mortgage, sometimes with monthly payments, sometimes deferred.
Worker Advantage Program
Nevada Housing Division (NHD)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 150% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, manufactured
- Max Price
- $832,750
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- second mortgage
- Profession
- Healthcare, Education, Public Safety, Construction...
- Homebuyer Ed.
- Yes
Income Limits
Up to 150% of Area Median Income (AMI) by county. Examples: Clark County $142,350; Washoe County $167,700; Douglas County $163,200; Mineral County $96,150 (lowest). Full county table at homeispossiblenv.org/worker-advantage.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
30-year non-forgivable second mortgage, 0% interest, no monthly payments. Full balance due upon sale or transfer. Non-forgivable. full $20,000 balance due at end of 30-year term if not sold. Borrower may apply funds to buy down interest rate (up to 4% of principal in discount points) with any remainder for down payment and closing costs.
Additional Requirements
At least one borrower must work in Healthcare, Education, Public Safety, or Construction. Nevada residency of at least 6 months required. Borrower must NOT have previously used any Home Is Possible (HIP) program.
Notes
Launched November/December 2025. $18 million total available; first-come, first-served. As of January 8, 2026, only 81 of 900 target households had used the program with significant funds remaining. One Nevada Credit Union is a participating delivery lender.
How to Apply for Down Payment Assistance in Nevada
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1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
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2
Contact the Program Administrator
Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
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3
Get Pre-Approved with a Participating Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
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4
Complete Homebuyer Education (If Required)
Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
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5
Close & Move In
DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.
Frequently Asked Questions
How much down payment assistance can I get in Nevada?
Up to $50,000 through available programs in Nevada. Multiple programs can often be combined for even more assistance. The exact amount depends on your income, location, and the specific program requirements.
Do I need to be a first-time homebuyer?
Not always. 6 programs in Nevada are open to repeat buyers. "First-time buyer" is typically defined as not having owned a home in the past three years.
What credit score do I need?
Requirements vary by program. Most require a credit score of at least 620-660.
Can I combine multiple DPA programs?
In many cases, yes. Some programs are specifically designed to be layered with others. For example, you might combine a state grant with a local deferred loan. Check with each program administrator about stacking eligibility.
DPA Programs in Nearby States
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