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Program Fees

Program Fees

All fees listed are charged to the borrower, paid at closing, and apply to all of the DPA programs, unless otherwise noted. When the lender issues a Loan Estimate to the borrower, it should include all applicable program fees.

Home At Last™ DPA Program
  • $400 funding fee is payable to U.S. Bank
  • $84 tax service fee is payable to U.S. Bank
  • $275 compliance/administrator fee is payable to eHousingPlus
  • Lenders may charge borrowers a loan origination fee that is not capped by the down payment assistance program (The amount of the origination fee should not exceed the amount charged for origination fees on non-program loans)
  • Down payment assistance may be used to cover all or a portion of the closing costs, including the fees listed here
  • 30-day lock extensions (beyond the original 70-day lock) are permitted at a cost of 0.25% of the loan amount for each 30-day extension
    • The first 30-day lock extension is automatically applied to active loans not purchased by U.S. Bank within 70 days of reservation
    • Additional 30-day lock extensions are permitted upon request
    • U.S. Bank will net out any applicable extension fees at the time the loan is purchased
Launchpad Homeownership Program
  • $400 funding fee is payable to U.S. Bank
  • $84 tax service fee is payable to U.S. Bank
  • $275 compliance/administrator fee is payable to eHousingPlus
  • Down payment assistance may be used to cover all or a portion of the closing costs, including the fees listed here
  • A one-time, 30-day lock extension (beyond the original 70-day lock) is permitted at a cost of $375
Home Means Nevada Rural DPA Program
  • $400 funding fee is payable to U.S. Bank
  • $84 tax service fee is payable to U.S. Bank
  • $300 compliance/administrator fee is payable to eHousingPlus
  • Lenders may charge borrowers a loan origination fee that is not capped by the down payment assistance program (The amount of the origination fee should not exceed the amount charged for origination fees on non-program loans)
  • Down payment assistance may not be used for closing costs
  • 30-day lock extensions (beyond the original 70-day lock) are permitted at a cost of 0.25% of the loan amount for each 30-day extension
    • The first 30-day lock extension is automatically applied to active loans not purchased by U.S. Bank within 70 days of reservation
    • Additional 30-day lock extensions are permitted upon request
    • U.S. Bank will net out any applicable extension fees at the time the loan is purchased
Mortgage Credit Certificate (MCC) Program Fees
  • MCC Standalone (The Borrower is obtaining the MCC only, or the Borrower is pairing the MCC with the Home Means Nevada Rural DPA program.)
    • $310 Compliance to eHousingPlus
    • $995 Program Participation to NRH
  • Combo MCCs (MCC Paired with a Home At Last DPA loan):
    • $460 Compliance to eHousingPlus (reflects $125 combo savings!)
    • $995 Program Participation to NRH
  • NOTE: The Combo Compliance fee includes the fee for both the MCC and DPA - do not double charge compliance fees to the borrower. NRH waives the Program Participation Fee for all Qualified Veterans.
  • MCC Reissuance (The Borrower is refinancing their first mortgage and the MCC needs to be reissued for the new mortgage, per IRS requirements.)
    • $395 administration fee is payable to Nevada Rural Housing
    • Refer to the MCC Reissuance information on this website for further details and instructions
    • eHousingPlus does not reissue MCCs after refinancing
    • MCCs not reissued after refinancing will result in the MCC being permanently terminated, per IRS guidelines.

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