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:
- Review Required Program Education & Training
- Connect with a Participating Lender (a requirement to use the program)
- Connect with a Certified Real Estate Partner (not a requirement but a great idea!)
- Review Program Fees
- Review Eligible Areas (by using a specific property address in our map tool)

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 customizable loan options for all kinds of homebuyers.
Loan types include FHA (requires 3.5% down), VA and USDA (no down payment rquired), and conventional (requiring a min of 3% down). All borrowers must meet normal loan underwriting requirements for the type of financing being used to purchase the home.
Want to see a snapshot of today's rates and options?
Home At Last™ Program Details
Income Limits
Maximum Income: $150,000
Note: Income limits on Conventional loans are determined by County if your income is at or below 80% of the AMI. Visit our options page to review current income limits. USDA loans will follow USDA guidelines.
Debt-to-Income Ratio
Maximum DTI: 50%
DTI limits depend on FICO score and loan type. Consult with a lender for details. Need to lower DTI? Check out MCC eligibility - it provides additional qualifying income to lower DTI.
Minimum FICO
Minimum FICO is 640 (680 for manufactured homes)
First-Time Homebuyer
No first-time homebuyer requirement to receive Home At Last™ down payment assistance; but if you want the MCC, you'll need to be a first-time homebuyer (meaning you haven't owned a home in the past three years) or qualified veteran.
Resident Requirement
Home must be primary residence to qualify.
Homebuyer Education
Homebuyer education is required. Check out the options for education here.

Home Means Nevada Rural Down Payment Assistance
This limited-time program opens the door to:
- $15,000 in forgivable down payment assistance
- 30-year fixed-rate competitive mortgage
Pair Home Means Nevada with the MCC for the following benefits:
- The Mortgage Credit Certificate (MCC) helps first-time buyers and qualified veterans obtain mortgage tax credits for the life of the loan
- MCC increases qualifying income and lowers debt-to-income ratios which help more homebuyers get approved for a home mortgage. For example, a $345,000 mortgage at 6.50% interest generates an estimated $371 in additional monthly income*.
Want to see a snapshot of today's rates and options?
Home Means Nevada Program Details
Income Eligibility
This program's income limits differ from our flagship program. You can review them here.
Residency Requirements
At least one borrower must have a minimum six-month Nevada residency.
First-Time Homebuyer
Must be first-time, rural homebuyers (haven’t owned a home within the past three years).
Homebuyer Education
Homebuyer education is required. Check out the options for education here.
How to Apply for Home Means Nevada Rural Down Payment Assistance
Step 1: Contact an approved lender.
Step 2: Tell your lender that you want to buy a home using Home Means Nevada Rural Down Payment Assistance.
Pro-tip: Ask your lender if you are also qualified for the Mortgage Credit Certificate.
If you need support please reach out!

Buy in Nye Homeownership
This limited-time program opens the door to two forgivable Down Payment Assistance (DPA) options offered exclusively in Nye County:
Option 1) $16,000 DPA
Option 2) $5,000 DPA
Pair Buy in Nye with the MCC for the following benefits:
- The Mortgage Credit Certificate (MCC) helps first-time buyers and qualified veterans obtain mortgage tax credits for the life of the loan
- MCC increases qualifying income and lowers debt-to-income ratios which help more homebuyers get approved for a home mortgage. For example, a $345,000 mortgage at 6.50% interest generates an estimated $371 in additional monthly income*.
Check out these eligible new home communities in Nye County.
Want to see a snapshot of today's rates and options?
Buy in Nye Program Details
Income Eligibility
This program's income limits differ from our flagship program. You can review them here.
Residency Requirements
At least one borrower must have a minimum six-month Nevada residency.
First-Time Homebuyer
Must be first-time, rural homebuyers (haven’t owned a home within the past three years).
Homebuyer Education
Homebuyer education is required. Check out the options for education here.
How to Apply for Buy in Nye Homeownership
Step 1: Contact an approved lender. Search in Southern Nevada!
Step 2: Tell your lender that you want to buy a home using the Buy in Nye Homeownership Program.
Pro-tip: Ask your lender if you are also qualified for the Mortgage Credit Certificate.
If you need support please reach out!

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.
