Nevada First-Time Home Buyer Programs 2026
Up to 5% DPA available through Nevada Housing Division (NHD). NHD Home Is Possible program offers up to 5% of the loan as a grant — never repaid.
Max Assistance
Up to 5% DPA
Type
Grant (never repaid)
Min Credit
640+
Max Home Price
$548,250
Ready to apply for Nevada assistance?
Get pre-approved in minutes — your lender will connect you with NHD programs automatically.
Nevada First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| NHD Home Is Possible Best — free grant | Up to 5% of loan | Grant (never repaid) | 640+ | $91K–$120K |
| NHD HIP for Teachers NV licensed teachers | Up to 6% of loan | Grant + rate disc | 640+ | Same |
Eligibility Requirements
- ✓640+ credit score
- ✓Income within NHD limits
- ✓Homebuyer education required
- ✓Primary residence in Nevada
- ✓NHD-approved lender
Pro Tip
Available statewide: Las Vegas, Henderson, Reno, North Las Vegas, Sparks.
How to Apply for Nevada Programs
Get Pre-Approved
Work with a NHD-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The Grant (never repaid) is applied at closing — you don't pay extra at the table.
Official Agency
Nevada Housing Division
NHD — Nevada official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Nevada?
The best program in Nevada is the NHD Home Is Possible, which offers Up to 5% of loan as a Grant (never repaid). Minimum credit score: 640. Income limit: $91K–$120K.
How much down payment assistance is available in Nevada?
Nevada offers up to Up to 5% DPA through Nevada Housing Division (NHD). The assistance is structured as a Grant (never repaid). Income limits are $91,000–$120,000 depending on household size and county.
What credit score do I need for Nevada first-time buyer programs?
Most Nevada programs through NHD require a minimum credit score of 640. Some programs may accept lower scores with compensating factors. Check with an NHD-approved lender for your exact score requirements.
What is the income limit for Nevada first-time buyer programs in 2026?
In 2026, Nevada income limits are $91,000–$120,000 depending on household size and county. The home price limit is $548,250. These limits are set by Nevada Housing Division.
Don't Leave Up to 5% DPA on the Table
Pre-approval is free. Your lender will apply for NHD programs automatically — no extra work for you.
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