Home At Last™ Loan and Down Payment Assistance Program

Meet the Davis family!

Thanks to a little bit of down payment assistance, and a whole lot of love, they’re proud, rural Nevada homeowners. Join the 9,000+ families who have achieved their dreams of being Home At Last™ – we offer a variety of down payment assistance options!

Home At Last™ provides “customized” loan and down payment assistance options to help more Nevadans like the Davises become homeowners. The down payment assistance is provided in the form of a 3-year second mortgage that is completely forgiven after living in the home as a primary residence for the first three years. There is NO interest and there are NO payments on the down payment assistance provided. If you sell or refinance during the first three years of ownership, only the prorated unforgiven balance must be repaid to Nevada Rural Housing Authority.

A Home At Last™ lender will pair the assistance with a 30-year first mortgage with a fixed interest rate. And, there are NO separate applications to fill out for the assistance, so it’s easy and doesn’t slow down closing! Check out our mortgage rates – updated daily.

Home At Last™ participating lenders pre-qualify homebuyers for the mortgage loan required to purchase the home. Loan types include FHA, VA, USDA Guaranteed, and exclusive Conventional loans known as Fannie Mae HFA Preferred and Freddie Mac HFA Advantage (available only through a Housing Finance Agency like Nevada Rural Housing Authority!).

Home At Last™ affordable loans with or without down payment assistance – it’s the real deal!


Take the first step toward homeownership by taking our free, online Homebuyer Education course through Home At Last University (HAL U, for short), then connect with a participating Home At Last™ lender to apply. 

Take the Homebuyer Education Course

Find an Approved Lender

Find a Certified REALTOR®

What are the Program Fees?

What is Considered “Rural”?

How Do I Check My Credit Report?