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Homeownership is closer than you think!


Home At Last™

Down Payment Assistance

Nevada Rural Housing Authority launched Home At Last™ in 2006 to help more Nevadans to become homeowners. They've generated over $1 billion in mortgages, which provided much-needed down payment assistance and mortgage tax credit benefits to homebuyers across Nevada. Today, as a result of Nevada Rural's Home At Last™ programs, thousands of Nevada families have achieved their dream of affordable homeownership.

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Key Benefits

✔ NO first-time buyer requirement
✔ Multiple grant options up to 5%
✔ Use for down payment/closing costs
✔ FHA, VA, USDA & Conventional Loan Options
✔ Forgivable after 3 years (if you stay in your home)
✔ Competitive Low Interest Mortgage Rates
✔ NO asset limits
✔ NO purchase price limits
✔ Customizable grant options to suit your needs


✔ $125,000 income limit on Conv loans
✔ $98,500 income limit on Govt loans
✔ 640 minimum credit score
✔ 50% max debt-to-income on Conventional loans
✔ 45% maximum DTI on Govt loans
✔ Homebuyer education course required
✔ Home must be primary residence
✔ Must meet standard underwriting requirements
✔ Must be in Nevada (with a population below 150,000)

Eligible Areas

Many people are surprised to learn that Sparks, Enterprise, Mountains Edge, Southern Highlands, Whitney, Winchester and Summerlin South are all eligible!

Click below to view maps of eligible areas

This down payment assistance program requires a home loan mortgage approval. Find out if you are approved by applying:

Home Loan Down Payment Assistance Programs:

Home Is Possible™
Down Payment Assistance

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HIP For Heroes™
Below Market Rate

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HIP For Teachers™
Down Payment Assistance

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HIP For First-Time Homebuyers
Down Payment Assistance

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Culinary & Bartenders Housing Partnership
Down Payment Assistance

Learn More

W.I.S.H. Program
Down Payment Assistance

Learn More

For more information about mortgage related programs

Get in contact with our home loan mortgage lending experts

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