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Down Payment Assistance

This is the real deal.

10,000 since 2006. That's how many rural Nevada families have experienced the feeling of closing days, keys finally in their hands, and home at last.

Our programs provide customized loan options with or without down payment assistance. There is NO interest and there are NO payments on down payment assistance provided. And there are NO separate applications to fill out for the assistance, so it’s easy and doesn’t slow down closing!

Before we take you into the nitty gritty of the programs below, here are some of the most important stepping stones of NRH Homeownership Programs:

All Homeownership Program Info.

Home At Last™

This is the original sauce here, folks. Our "flagship program." The one that started it all. HAL, as we like to call 'er for short, has helped thousands and thousands of families since 2006, and the flag continues to fly with a generous income maximum, no first-time homebuyer requirement and access to affordable credit. Home At Last has a minimum credit score of 620.

Loan types include FHA (requires 3.5% down), VA and USDA (no down payment required), and conventional (requires a minimum of 3% down). All borrowers must meet normal loan underwriting requirements for the type of financing being used to purchase the home. The Home At Last option is perfect for those with funds already saved and/or those who are looking to refinance their existing mortgage.

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Home At Last™ Program Details

Income Limits

Maximum Income: $165,000

Note: For Conventional loans, if borrowers have income at or below 80% of the Area Median Income (AMI), the income limits are determined by the county where the home is being purchased. For USDA RD Guaranteed loans, all income that meets the USDA guidelines will meet the income eligibility requirements for the Home At Last program. Visit our options page to review more details on the current income limits. 

Debt-to-Income Ratio

DTI limits depend on the loan type and credit score. Consult with a lender for details. 

Minimum Credit Score

Minimum credit score is 620 (including manufactured homes).

First-Time Homebuyer

There is NO first-time homebuyer requirement to participate in the Home At Last™ homeownership program. 

Residency Requirement

There is no requirement to be a current Nevada resident to qualify for the program.

The home must be occupied as a primary residence within 60 days of closing.

Homebuyer Education

Homebuyer education is required. Check out the options for education here.

Homeownership, you're cleared for takeoff.

Launchpad takes flight.

First introduced in 2024, Launchpad's first mission helped 79 rural Nevada families with $25 million in mortgage volume and $1 million in down payment assistance, and our next mission is poised to help even more Nevadans! Learn more below and reach out to a participating lender today!

Life takes flight with the power of homeownership.

Launchpad is designed to deliver a stellar below-market rate with up to 5% assistance to help our lenders and their borrowers make affordable, rural homeownership happen!

  • Launchpad for First-Time Homebuyers provides 2% and 4% down payment assistance options 
  • Launchpad provides 3% and 5% down payment assistance
  • 30-year fixed-rate government loans (FHA, VA, USDA-RD) and conventional loans (Fannie Mae and Freddie Mac)
  • Income limits apply - check 'em out below
  • Launchpad is available in all 15 rural counties, plus the rural parts of Clark and Washoe counties. Visit HALMap.org to verify property eligibility in Clark and Washoe.  
  • Minimum credit score is 640 (680 for manufactured homes)
Check Out Today's Rates

Launchpad Program Details

Income and Purchase Price Limits

Launchpad: $165,000

Launchpad for First-Time Homebuyers:
Non-Targeted Area Income and Purchase Price Limits are listed below

Note: For Conventional loans, borrower income is restricted to 80% of the Area Median Income (AMI), and may be lower than the program limits listed below. Visit our options page to review more details on the current 80% AMI income limits, or reach out to your loan officer more information.

Effective June 10, 2026

CountyMax. Income for Households
with 1 or 2 People

Max. Income for Households
with 3+ Peoplee

Max. Purchase Price
Carson City$108,332$124,581$601,629
Churchill$105,500$121,325$566,354
Clark$105,500$121,325$566,354
Douglas$133,800$156,100$770,085
Elko$111,500$128,225$566,354
Esmeralda$113,800$130,870$566,354
Eureka$102,800$118,220$566,354
Humboldt$105,500$121,325$566,354
Lander$107,600$123,740$566,354
Lincoln$104,800$120,520$566,354
Lyon$122,270$140,610$667,808
Mineral$102,800$118,220$566,354
Nye$102,800$118,220$566,354
Pershing$105,500$121,325$566,354
Storey$119,710$137,666$667,808
Washoe$119,710$137,666$667,808
White Pine$106,500$122,475$566,354
Targeted Area Information, Income and Purchase Price Limits

The information below pertains to the Launchpad for First-Time Homebuyers program only.

Department of Housing and Urban Development (HUD) Qualified Census Tracts, also known as targeted areas, allow for a higher purchase price and increased income limits and waives first-time homebuyer requirements. 

Targeted Area Income and Purchase Price Limits
Effective June 10, 2026

CountyMax. Income for Households
with 1 or 2 People

Max. Income for Households
with 3+ People

Max. Purchase Price
Clark$126,600$147,700$692,211
Lyon$124,800$145,600$816,209
Nye$123,360$143,920$692,211
Washoe$140,160$163,520$816,209


Qualified Census Tracts (also known as targeted areas)

CountyTracts   
Clark57.0457.0360.01*22.01*
 22.0750.10*78.01* 
Lyon9602.069609.01  
Nye9604.119604.139604.14 
Washoe19.0119.0327.03* 


Find an Address in a Targeted Area

  1. Access the FFIEC Geocoding System to find information about a specific address by clicking this link: https://geomap.ffiec.gov/FFIECGeocMap/GeocodeMap1.aspx
  2. Enter complete address. Select the address from the list that appears or click on the image of the magnifying glass to search the address as entered. 
  3. Compare the "Track Code" with the Qualified Census Tracts chart above.

*Indicates a census tract with eligible and ineligible property addresses based on Nevada Rural Housing's rural jurisdiction. Please verify the property address in this census tract is eligible at HALMap.org. 

Debt-to-Income Ratio

DTI limits depend on the loan type and credit score. Consult with a lender for details. 

Minimum Credit Score

Minimum credit score is 640 (or 680 for manufactured homes).

First-Time Homebuyer

There is no first-time homebuyer requirement for the Launchpad program; however, the Launchpad for First-Time Homebuyer program is for those who have not owned a home in the previous three years. Veterans and those who are purchasing a home in a targeted area are exempt from the first-time homebuyer requirement.

Homebuyer Education

Homebuyer education is required. Check out the options for education here.

Other Borrower Requirements
  • Launchpad for First-time Homebuyers: For those who have not had an ownership interest in a primary residence in the past three years and meet the income and purchase price limits. The first-time homebuyer requirement is waived for those who are qualified Veterans, and for those purchasing in a targeted area, which also allows higher income and purchase price limits.
  • The property must be a single-family one- or two-unit home, condominium, townhome, modular, or manufactured home converted to real property.
  • New and existing properties are eligible.
  • The property must be the borrower’s primary residence.
  • The borrower must occupy the property within 60 days after closing.
  • The property must be in a rural area with population under 150,000 within the State of Nevada. Not eligible: The City limits of Reno, Las Vegas, North Las Vegas and Henderson and the unincorporated township limits of Enterprise, Paradise, Spring Valley, and Sunrise Manor. To verify eligibility, use HALMap.org.

Rural Rocks $20K

The Rural Rocks $20K program helps Nevada homebuyers get closer to homeownership with up to $20,000 in assistance toward down payment and closing costs. Originally designed for homebuyers working in select occupation categories, the program has expanded and is now open to all qualifying rural Nevadans regardless of employment—creating more opportunities for rural Nevadans to achieve homeownership.
Available to both first-time and repeat homebuyers, Rural Rocks $20K features a Minimum credit score of 620, expanding access to affordable financing for buyers who may not qualify for traditional mortgage options. Homebuyers can choose between permanent interest rate reductions paired with down payment and closing cost assistance or standalone down payment and closing cost assistance.

Income limits vary by county, and borrowers must have been Nevada residents for at least six months. Funding is limited, so connect with one of our participating lenders to determine your eligibility and reserve available funds before it's gone.

*Funds may be used for down payment/closing costs or combined with a permanent interest rate reduction.

Check Out Today's Rates

Rural Rocks $20K Program Details

Income and Purchase Price Limits

Maximum Purchase Price Limit: $832,750

Maximum Income Limits (the Borrower(s) household income must not exceed 150% AMI):

COUNTY:150% AMI:
Carson City$139,050
Churchill$152,850
Clark$147,300
Douglas$167,250
Elko$167,250
Esmeralda$175,050
Eureka$120,750
Humboldt$146,250
Lander$161,400
Lincoln$148,350
Lyon$146,700
Mineral$101,550
Nye$113,550
Pershing$155,250
Storey$175,200
Washoe$175,200
White Pine$159,750
Debt-to-Income Ratio

DTI limits depend on the loan type and credit score. Consult with a lender for details. 

Minimum Credit Score

Minimum credit score is 620 (including manufactured homes).

First-Time Homebuyer

There is NO first-time homebuyer requirement to participate in the Rural Rocks $20K down payment assistance program. 

Residency Requirement

At least one borrower must be a resident of Nevada for a minimum of 6 months prior to reservation.

Homebuyer Education

Homebuyer education is required. Check out the options for education here.

Other Borrower Requirements
  • The property must be a single-family home, a condominium unit, a townhome, or manufactured home.
  • Must be the borrower’s primary residence.
  • Property must be located in the State of Nevada
  • New and existing properties are eligible.
  • Borrowers who have previously used a Nevada Rural Housing homeownership program are not eligible.
  • Meet all applicable Program Guidelines and Ginnie Mae (FHA, VA, USDA-RD), Fannie Mae and Freddie Mac underwriting guidelines.

How to Apply for Nevada Rural Housing Homeownership Programs

Step 1: Contact an approved lender.

Step 2: Tell your lender that you want to buy a home using a Nevada Rural Housing homeownership program. 

Step 3: Complete our Homebuyer 101 education course (it's free!)

If you need support please reach out!

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Connect with the Homeownership Crew

We love what we do and who we do it for – you, our partners, and the people of rural Nevada. We have a heckuva lot of fun doing it, too.

If you have a question, need some training, want to partner or just have something awesome to say (we'll adore those kinds of messages, too!), let us know.

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