First-Time Buyers

Nevada First-Time Homebuyer Programs

Unlock down payment grants, low-interest rates, and buyer incentives designed specifically for first-time buyers in Nevada.

Program Benefits

Made to Lower Your Upfront Cost

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    Down Payment Assistance

    Down payment grants and second mortgages to cover upfront cash requirements.


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    Lower Upfront Cash Needed

    Reduced down payment barriers so you can purchase sooner.


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    Educational Support

    Step-by-step guidance through the purchasing process.

Eligibility

Who Qualifies?

— Must be purchasing a primary residence in Nevada.

— Meets minimum credit score guidelines (typically 620+).

— Income limits based on county and household size.

— Completion of a simple homebuyer education course if required.

Navigating Your Journey to Nevada Homeownership

Simple, clear, and structured—here is how we take you from application to key handoff in Nevada.

Step 1: Pre-Approval & Eligibility Check

We evaluate your credit score, income, and overall budget to determine your true purchasing power. At this stage, we verify your eligibility for Nevada-specific down payment assistance programs, FHA guidelines, or VA benefit requirements.

Step 2: Home Tour & Offer Submission

Armed with your pre-approval letter, you work with a trusted Nevada real estate agent to tour homes across Las Vegas, Henderson, Reno, or surrounding areas. When you find the right property, your agent submits a competitive purchase agreement.

Step 3: Full Application & Document Review

Once your offer is accepted, your purchase contract is sent to our underwriting team. We collect and review all remaining documentation—such as bank statements, pay stubs, and tax records—to locks in your interest rate and prepare your file for full approval.

Step 4: Home Inspection & Property Appraisal

A licensed inspector evaluates the home’s physical condition (roof, HVAC, plumbing), while an independent appraiser confirms the home’s market value to protect your investment.

Step 5: Final Underwriting & Clear to Close

The underwriter reviews all appraisal details, title commitments, and loan conditions to issue the final Clear to Close (CTC). You receive your final Closing Disclosure (CD) outlining exact loan terms and total funds needed for closing.

Step 6: Closing & Getting Your Keys

You attend your closing appointment to sign final documents and transfer any required closing funds. Once funds are disbursed and recorded with the county, you receive the keys to your new Nevada home!

Ready to Check Your Down Payment Assistance Eligibility?

Don't let upfront costs stand between you and homeownership. Find out in minutes how much grant funding and assistance you qualify for in Nevada.

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