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), $638,250 in 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, the 3% residential property tax cap, 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): $638,250
- Carson City: $575,000
- Douglas County (Lake Tahoe): $736,000
- Conforming limit statewide: $832,750
- Confirm your county at HUD’s FHA mortgage limits lookup
Down Payment Assistance
- Home Is Possible: up to 4% DPA for first-time buyers, or up to 5% under HIP-DPA, as a no-interest, no-payment, non-forgivable second mortgage
- Worker Advantage: $20,000 for essential workers
- Home Is Possible for Teachers: $7,500 forgivable
- Mortgage Credit Certificate: annual federal tax credit through Nevada Rural Housing
- Min credit score: 640 for Home Is Possible (660 for manufactured homes)
- Current terms at Home Is Possible (Nevada Housing Division)
USDA Income Limits (2026)
- Standard limit: $122,800 (1–4 person) / $162,100 (5–8 person)
- Some areas are higher, up to $134,350 (1–4 person) — verify your county
- FY2026 limits, dated July 13, 2026
- Limits by county at USDA’s eligibility site
Closing Cost Highlights
- Nevada charges a Real Property Transfer Tax
- Clark County: $2.55 per $500 (~$5.10/$1,000), per the Clark County Recorder
- No state income tax on individuals (Nevada Department of Taxation)
- Owner-occupied primary residence: 3% cap on annual property tax bill increases (2026–27)
- Closing costs typically run 2%–5% of the purchase price, per the CFPB
Buying or Refinancing in Nevada?
Nevada buyers can use the Nevada Housing Division’s Home Is Possible assistance statewide, and FHA limits and transfer tax rates vary by county. Our guides above break down each one, and every figure links to the official source so you can verify current terms.
- ✓ Check Home Is Possible eligibility and current terms with the Nevada Housing Division
- ✓ Confirm your county’s 2026 FHA limit with HUD’s lookup tool
- ✓ Compare FHA vs. conventional using our loan program guides
- ✓ Estimate your total cash to close with our closing cost guide
No obligation · Educational first
Talk to a Nevada Mortgage Advisor
Have questions about buying or refinancing in Nevada? A licensed mortgage advisor can walk you through your loan options, assistance programs and costs, with no obligation.
Speak to a Mortgage Advisor