Qualifying applicants receive a customizable grant with different loan types, including FHA, VA, USDA, or the Fannie Mae HFA Preferred Conventional loan. All Home at Last loans are 30-year, fixed rate mortgages, and the grants do not have to be paid back.

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November 13, 2019
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Home at Last Access Down Payment Assistance Grant

Financial Assistance for Homebuyers in Nevada

The Nevada Rural Housing Authority’s inclusive home financing program, The Home at Last Access Down Payment Assistance Grant, allows borrowers a number of options on the amount of assistance they require. Qualifying applicants receive a customizable grant with different loan types, including FHA, VA, USDA, or the Fannie Mae HFA Preferred Conventional loan. All Home at Last loans are 30-year, fixed rate mortgages, and the grants do not have to be paid back.

Available Assistance
The program offers different grant options which provide borrowers with up to $22,600 in down payment assistance. Applicants with FHA, VA, and USDA-RD loans have down payment options ranging from 2 to 5 percent of their loan amount (depending on the loan type). For applicants with the Fannie Mae HFA Preferred Conventional loan, the down payment options are either 3, 4, or 5 percent of the loan amount.

Eligibility Requirements
In order to be considered eligible for the Hole At Last Applicants must meet credit score requirements. FHA, VA, and USDA-RD loans require a minimum credit score of 640 (or 680 for manufactured homes). Fannie Mae HFA Preferred Conventional loan requires a minimum credit score ranges from 640 to 680 (depending on property type and loan-to-value). All applicants must fall under the program's $95,500 income limit. 

Property Guidelines
Applicants must meet property requirements for FHA, VA, and USDA-RD loans (manufactured homes, condos, townhomes, and 2-4 family units are eligible, subject to FHA, VA and USDA requirements) and Fannie Mae HFA Preferred Conventional loans (manufactured homes, condos, townhomes, and 2-4 family units are eligible with a maximum 95% loan-to-value).

(Note: All figures were accurate at the time of publication and may no longer be current - visit the program website for updated information.) spacer

Down payment assistance programs and/or grants were researched by the team at FHA.com. Please note that all programs listed on this website may involve a second mortgage with payments that are forgiven, deferred, or subsidized in some manner until resale of the mortgaged property.

FHA.com's compilation is not a complete list, but it can serve as a starting point in your search for the down payment assistance program or grant for your situation. It is up to the consumer to contact these entities and find out the specifics of each program.

Down Payment Grants in Nevada

This grant provides funds to homebuyers whose savings fall short of the necessary upfront costs of the mortgage process. The grant amount (which does not require repayment) can be as much as 5 percent of the loan amount, to be used towards down payment and closing costs.

Qualifying applicants receive a customizable grant with different loan types, including FHA, VA, USDA, or the Fannie Mae HFA Preferred Conventional loan. All Home at Last loans are 30-year, fixed rate mortgages, and the grants do not have to be paid back.

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