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Nevada's housing market continues to attract buyers from higher-cost states, with Las Vegas, Henderson, and Reno leading population growth. Median home prices in the Las Vegas metro have stabilized after the 2022-2023 correction, and inventory has improved — a strong window for buyers.
Nevada FHA loan limits in Clark County are tied to the standard FHA floor for most counties, making FHA a competitive option for Las Vegas and Henderson buyers up to roughly $498,000.
Check the key requirements to see if you qualify.
A credit score of 580 or higher qualifies you for the minimum 3.5% down payment. Scores between 500-579 may still qualify with a 10% down payment.
One of the lowest down payment options available. Your down payment can come from savings, gifts from family, or down payment assistance programs.
Your total monthly debt payments (including your new mortgage) should typically be 43% or less of your gross monthly income.
A steady employment history of at least 2 years is typically required. Self-employed borrowers may qualify with 2 years of tax returns.
Lending Arena, NMLS #1603937. Licensed by the Nevada Division of Mortgage Lending. Equal Housing Lender. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to credit and property approval.