Nevada Mortgage Guides 2026
FHA limits by county, Nevada Housing Division Home Is Possible down payment assistance, USDA rural loans, VA resources for Nevada military, and a complete Nevada closing-cost breakdown — all in one place.
Everything You Need for a Nevada Home Purchase
Six in-depth guides covering every aspect of getting a mortgage in Nevada — from loan program selection to what you’ll pay at closing.
Nevada Mortgage Guide
FHA loan limits by county, loan program comparison, property tax overview, and how the Nevada housing market affects your financing options.
Read guide →Nevada First-Time Home Buyer Guide
Home Is Possible loans, the $20,000 Worker Advantage program, down payment assistance up to 5%, the MCC tax credit, and income limits by county — compared side by side.
Read guide →Nevada FHA Loan Requirements
2026 FHA limits of $541,287 in most counties (including Clark and Washoe), up to $736,000 in Douglas County, credit score rules, and mortgage insurance costs.
Read guide →Nevada VA Loan Requirements
VA entitlement, the 2026 funding fee chart, and resources for Nellis Air Force Base, Naval Air Station Fallon, the Nevada National Guard, and veterans statewide.
Read guide →Nevada USDA Loans
2026 USDA income limits for Nevada, eligible rural areas outside Las Vegas and Reno, and how zero-down USDA compares to FHA.
Read guide →Nevada Closing Costs Guide
Nevada’s Real Property Transfer Tax by county, no state income tax, low property taxes, and a complete fee-by-fee breakdown for Nevada buyers.
Read guide →Key Nevada Mortgage Facts
FHA Loan Limits
- Most NV counties: $541,287
- Clark County (Las Vegas): $541,287
- Washoe County (Reno): $541,287
- Douglas County (Lake Tahoe): $736,000
- Conforming limit statewide: $832,750
Down Payment Assistance
- Home Is Possible: up to 5% DPA, interest-free
- Worker Advantage: $20,000 for essential workers
- Home Is Possible for Teachers: $7,500 forgivable
- Mortgage Credit Certificate: annual tax credit
- Min credit score: 660 for most programs
USDA Income Limits (2026)
- Most NV areas: $119,850 / $158,250
- Roughly 99% of Nevada land is eligible
- Las Vegas & Reno urban cores: not eligible
- Pahrump, Mesquite, Fallon & rural NV: eligible
- Format: 1–4 person / 5–8 person
Closing Cost Highlights
- Nevada charges a Real Property Transfer Tax
- Clark County: $2.55 per $500 (~$5.10/$1,000)
- No state income tax
- Property taxes among the lowest — 3% annual cap
- Typical buyer costs: 2%–3% of purchase price
Getting Ready to Buy in Nevada?
We’re building out our Nevada loan-officer network now. In the meantime, grab our free Nevada homebuyer guide, and we’ll match you with a licensed Nevada loan officer the moment one joins.
- ✓ Free Nevada homebuyer checklist and program overview
- ✓ 2026 FHA limits, Home Is Possible assistance, and closing-cost basics
- ✓ First in line to be matched with a licensed Nevada loan officer
- ✓ No obligation — educational resources, not a loan application
Coming soon · No obligation · Educational only
Join the Nevada Waitlist
Be first in line for our free Nevada homebuyer guide and to be matched with a licensed Nevada loan officer as our network expands.
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