Affordable Mortgages Provided to Homebuyers
Down Payment Assistance Provided Since 2006

Home At Last™ Homeownership Programs

Down Payment Assistance

Home At Last! We know that home is more than just a house. It’s a red door and wide-open windows. It’s cuddling up in front of a warm fire or the glow of soft candlelight. Home means freedom. And home means a better Nevada, for all. That’s why the Home At Last™ team works every day to connect Nevadans with affordable housing solutions that are right for them. We believe that, when more Nevadans are able to purchase a home of their own, we all benefit through stronger, more stable, and economically vital communities.

Home At Last™, a program of Nevada Rural Housing, provides down payment assistance to eligible homebuyers to help with the purchase of a primary residence – and the program is not restricted to first-time buyers! The assistance may also be used to help pay for closing costs. Visit HALRates.org to view all assistance options and interest rates for the corresponding 30-year mortgage used to finance the purchase of the home.

As you explore our Home At Last™ pages, you’ll find eligibility requirements, areas we serve, how to complete the required homebuyer education, and how to connect with expert Home At Last™  participating lenders and real estate agents. Together, we’ll walk you through the steps to homeownership – so you can finally get home at last!

To get started, just click on a link below or browse the navigation menu to the right. Our team of experts is just a phone call or email away!

Tell Me More About Down Payment Assistance

Refinance with Home At Last™, too!

At Nevada Rural Housing Authority, our mission is to promote, provide and finance affordable housing opportunities for all rural Nevadans. Of course, this includes providing the most affordable financing solutions to current homeowners, too! Take a look at our mortgage rates, then contact a participating Home At Last™ lender today.

Show Me the Rates

Mortgage Credit Certificates – The “MCC”

The “MCC” has opened the door to affordable homeownership for thousands of rural Nevadans, who are still enjoying the tax credit savings year after year. This incredible program provides eligible first-time homebuyers or qualified veterans with an annual tax credit (equal to roughly 20% of the mortgage interest paid on the loan!) – every year for the life of the loan! If homeownership is in your future, you’ll want to check if you meet the eligibility requirements for this amazing program because you can only get the MCC at the time you purchase the home.

Tell Me More About the MCC

Take Homebuyer Education

What Areas Are Considered “Rural”?

What are the Program Fees?

Find an Approved Lender

Find a Certified REALTOR®


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