Down Payment Assistance in Nevada: 2026 Programs Guide

On the October 30, 2026 rate sheets, Nevada's main down payment programs are Home Is Possible at 2% to 5% of the loan, HIP for Teachers at $7,500, and Nevada Rural Housing's Launchpad at 2% to 5% and Rural Rocks at up to $20,000. Most help is a repayable second mortgage, not a grant. Home First closed in 2024. A published program isn't reserved money, so have an approved lender confirm your address and cash to close.

• Home Is Possible pays 2% to 5% of the note, repaid when you sell, refinance or move.
• Home First's $15,000 forgivable help was fully funded and closed in March 2024, so don't budget it.
• Seller credits can sit alongside assistance, inside FHA's 6% or conventional's 3% limit at low down payments.
• Rural Rocks forgives up to $20,000 only at 30-year maturity; an earlier sale or refinance repays it.
• Worker Advantage's $20,000 stays out of a cash plan until a lender confirms a reservation is open.

As of November 1, 2026, the table is a starting point for a documented comparison. Its sources are the Nevada Housing Division rate sheet and Nevada Rural Housing program options, both dated October 30 when checked November 1, 2026. Rates can change; no interest rate shown on an informational page is a personal quote or lock. This guide covers those principal programs rather than claiming an exhaustive inventory of every employer, city or lender benefit.

We have closed more than 9,600 Nevada transactions worth over $4.85 billion. For this guide, the evidence is the named program documentation and explicitly hypothetical arithmetic below; no client loan approval or reserved award is presented as a case study. The companion first-time Las Vegas buyer guide covers the wider purchase process.

Which Nevada assistance programs are published now?

Start with the sponsor’s dated offerings, then have an approved lender check the actual reservation system. “Available” can mean that a program exists, that a particular option is being offered, that funding remains, or that your loan has a reservation. Those are different stages. A saved brochure establishes none of the later stages by itself, and a rate sheet does not decide whether your property or income qualifies.

According to the Nevada Housing Division’s current offerings, the October 30 sheet includes first-time HIP, general HIP-DPA and Teachers options. It also identifies Alpine Vista Advantage as a particular Washoe County community program. That community-specific offer should not be added to a Las Vegas purchase worksheet. A program name that sounds statewide can still have a property restriction, and an advertised benefit may be divided between closing help and a rate reduction.

According to Nevada Rural Housing’s assistance page, its lineup includes Launchpad and Rural Rocks, while Home At Last is an unassisted mortgage option. Compare the product names exactly. A lender offering Home At Last is not necessarily promising a down-payment award, and the lender must identify which program and servicer would be used for the proposed loan.

For each candidate, write down the sponsor, product, loan type, assistance amount, lender and date checked. Add separate fields for eligibility review and reservation status. Leave the award out of the amount you can safely commit until the lender confirms its treatment. This simple distinction prevents an old offer, a different county’s program or a conditional benefit from turning into an unsupported purchase budget.

How do the two Home Is Possible tracks differ?

As of November 1, 2026, the first-time and general Home Is Possible tracks have different eligibility and pricing. According to the Nevada Housing Division’s first-time program page, first-time HIP offers up to 4% of the total loan amount, uses a three-year no-ownership rule and requires primary occupancy, education and underwriting. Its assistance is a 30-year non-forgivable obligation. The page links county limits for government loans; do not apply that table indiscriminately to every conventional option.

According to the general HIP program page, general HIP offers up to 5% without a first-time requirement. The page lists qualifying income up to $165,000 and a home price up to $832,750, subject to the applicable guidelines. A buyer who qualifies as first-time may still want the lender to compare the eligible alternatives instead of assuming that the largest award is automatically the best offer.

The meaningful comparison includes the first mortgage’s interest rate, points, mortgage insurance, allowable expenses and the second loan. If two options require different monthly payments or different cash at closing, label those differences before comparing the assistance amounts. A benefit quoted as a percentage can sound larger without leaving more usable money after the financing costs are included.

Ask the lender to identify the exact track in writing, along with the current guideline and assistance note. A generic “HIP approved” message leaves important questions unanswered. For a Las Vegas home, a Henderson property or a North Las Vegas purchase, the borrower and property review still matters even when the program’s geographic coverage is statewide. Approval of a person does not establish approval of every home that person might choose.

Which income and purchase-price limits apply to a Las Vegas buyer?

Use the limit for the actual program, county, household calculation and mortgage type. According to the Housing Division’s county table, effective June 15, 2026, the first-time government-loan table lists Clark County income limits of $105,500 for two or fewer people and $121,325 for three or more, and a $566,354 purchase-price maximum. The table notes that certain areas may have higher income limits. The lender must determine whether any exception applies.

Do not carry those limits into a different product. The October 30 HIP rate-sheet descriptions give the first-time conventional option an 80%-of-county-AMI income restriction and a separate stated purchase-price maximum of $570,000, subject to agency guidelines. General HIP and Teachers also distinguish government and conventional income treatment. “Up to $165,000” is therefore not a universal approval threshold for every row bearing the HIP name.

Prepare an income list before requesting a comparison: each proposed borrower, other household members where relevant, employment and other income sources, and any expected change. Ask which income must be included for program eligibility and which income can support mortgage qualification. Those calculations can differ. Avoid deciding eligibility from take-home pay, a single pay stub or an online calculator that does not identify the program’s income definition.

Also separate purchase-price limits from mortgage limits. A purchase price, base loan and final financed balance are distinct amounts. The lender should test each applicable limit, including property and loan-agency restrictions. The purpose of the published table is to identify the correct review path, not to tell a household that it is definitely eligible or definitely excluded without examining its documents.

Can a Las Vegas mailing address qualify for Nevada Rural Housing?

Sometimes, but a mailing address alone cannot answer that question. According to Nevada Rural Housing’s published geographic guidance, its programs reach all Nevada counties while Clark and Washoe require address-level review. The agency excludes the city limits of Reno, Las Vegas, North Las Vegas and Henderson, plus Enterprise, Paradise, Spring Valley and Sunrise Manor. It identifies Sparks, Winchester, Whitney and Summerlin South as eligible areas, subject to the actual property review.

Use the agency’s property address eligibility tool and save the result for the exact property. A subdivision name, ZIP code or listing’s postal city is not a substitute. If the map gives an unclear or missing match, ask the participating lender to resolve it with the program before relying on assistance. Keep the unit or parcel details where those affect identification.

This distinction is especially relevant when comparing Summerlin properties or homes around Reno and Sparks. A broad community search can cross administrative boundaries. Neither a neighborhood photograph nor another buyer’s approval establishes the subject home’s program eligibility. A change of property during escrow calls for a fresh check rather than carrying the previous address’s result forward.

Nevada Rural Housing eligibility is also separate from USDA rural eligibility. USDA runs its own property eligibility tool for that federal program. Passing one map does not prove that the other program applies. Ask the lender to show both results when a proposed financing package depends on both, and retain the date and property identifier beside each result.

What should you know about Launchpad and Rural Rocks?

As of November 1, 2026, treat them as distinct financing products with different repayment terms. According to Nevada Rural Housing’s program requirements, Launchpad uses a 30-year, interest-free deferred second mortgage that is never forgiven. Repayment is triggered by sale, refinance, leaving the property or the end of the term. The sponsor lists 3% and 5% assistance choices for standard Launchpad and 2% and 4% choices for its first-time version.

Rural Rocks has a different structure. The same requirements page says its assistance is forgiven at 30-year maturity, without prorated forgiveness; selling, refinancing or prepaying the first mortgage earlier makes the original award repayable. The agency’s FAQ also identifies ceasing to occupy the property as a repayment event. A borrower should read the actual note for the full conditions rather than interpreting “forgivable” as money that disappears a little each year.

According to the Rural Rocks description, the program has expanded beyond selected occupations, requires qualifying Nevada residency and has limited funding. A current occupation is not the only screening question. Geographic eligibility, income, property, loan and reservation requirements remain. An old essential-worker flyer should not be used as a substitute for the current program record.

For either product, ask for two figures: the gross award and the amount remaining for down payment and eligible settlement expenses after any permitted rate-reduction allocation. If assistance pays points, that portion is not also available for the down payment. Keeping those uses separate makes the comparison useful and avoids overstating the money that will reach the closing statement.

What credit score and employment requirements should you check?

As of November 1, 2026, there is no single credit-score rule covering all Nevada assistance. The HIP first-time page lists 640, or 660 for manufactured homes, alongside other requirements. According to Nevada Rural Housing’s servicer-specific requirements, TMS offers a 620 minimum for Home At Last and Rural Rocks; US Bank lists 640, or 660 for manufactured homes, and also serves Launchpad. The agency's assistance page still shows 680 for manufactured homes on Launchpad, so confirm that figure. Do not assume the lower TMS threshold applies to a Launchpad loan.

A minimum score is only one condition. The lender still evaluates the applicable debt ratio, income documentation, credit history, property and mortgage rules. A score displayed by a consumer app does not itself establish the score used for the loan. Ask which product was evaluated and which condition remains unresolved instead of treating an initial conversation as a final approval.

According to the HIP for Teachers page, the program targets licensed full-time Nevada K–12 public-school classroom teachers and lists availability through December 31, 2026. It describes a $7,500 benefit and conditional five-year forgiveness. The lender should verify the precise employment category and applicable conventional or government-loan limits, not assume that every employee of an educational institution qualifies.

If a lender identifies a credit or income obstacle, ask for a documented next step and a new evaluation when circumstances change. Do not rely on a promised score increase or a fixed number of months to qualify. Avoid changing employment, taking new debt or moving large sums without discussing the effect on the pending application. A plan should reflect the lender’s actual conditions for that file.

Can you count on Worker Advantage or an old Home First offer?

No for Home First, and not yet for Worker Advantage. Home Is Possible is the Housing Division's continuing program, with first-time and general tracks. Home First was a separate, limited $15,000 program for first-time buyers, and the Housing Division's administrator guide records it on March 19, 2024 as "completely funded, no longer available" (page 31, revision table). So if you read about Home First today, you are reading about a closed program.

The Home First terms come from FOX5's December 8, 2022 report and KTNV's report on the $10 million allocation, because the Housing Division's site menu no longer lists a Home First page. The Home Is Possible home page still uses the name in a sentence, but its "Home First" link goes to the Home Is Possible page, and the program isn't on the current rate sheet. If a lender quotes "Home First" today, ask for the current program name, administrator, effective date and proof of reservation.

Worker Advantage is different: it opened in December 2025, and nothing I read says it has closed. The Housing Division's announcement describes $20,000 for buyers in eligible occupations, as a 30-year, no-interest, never-forgiven second mortgage, from an $18 million first-come pool that stays open until the money is reserved. The Worker Advantage guide dated July 16, 2026 sets out the processing rules. But the October 30 rate sheet shows no Worker Advantage pricing row, and a July 12, 2026 Mortgage Matters podcast said fewer than 90 reservations remained. The program address in that announcement now sends visitors to the Home Is Possible home page. Neither fact is proof of closure, and I found no closure notice. They mean this guide can't confirm access, so ask the Housing Division or an approved lender.

Until access is confirmed, put zero from an unconfirmed program into the committed purchase budget and keep a separate conditional scenario. That is a planning method, not a statement that the program has no funds. It lets you see whether the purchase depends on an unresolved award before you choose contract deadlines or commit money that may be hard to recover.

When does assistance have to be repaid?

Read the assistance note alongside the first mortgage. According to the HIP administrator guide, pages 8–9, general HIP assistance is a zero-interest deferred second loan that is not forgiven. Its listed repayment events include sale, transfer, satisfaction of the first mortgage, refinance, leaving the principal residence and maturity. Teachers assistance instead has conditional monthly forgiveness over five years. The exact signed documents govern a borrower’s obligation.

“No monthly payment” describes the payment schedule; it does not mean that the balance is zero. A future refinance can require enough funds to settle an assistance lien as well as the original mortgage and new transaction costs. Likewise, sale proceeds must be evaluated after the applicable payoffs. A buyer comparing future flexibility should know which events make assistance due before accepting the loan.

Use a short exit worksheet with separate columns for selling, refinancing, moving out and reaching maturity. For each, record the document section, estimated remaining balance, required notice and the party who supplies a payoff. Do not assume an exception or a subordination option will be granted. Ask the servicer about the actual process and obtain a dated response before a later transaction depends on it.

A numerical illustration makes the distinction clear: an original $16,000 non-forgivable award does not become an $8,000 balance simply because half the term has elapsed. Unless the note provides otherwise or payments have reduced it, time alone does not establish a reduction. This is explanatory arithmetic, not an actual borrower’s payoff. Use the servicer’s written payoff for a sale or refinance, and keep it separate from an estimate made when buying.

How do you calculate assistance and cash to close correctly?

Start with the purchase price and the mortgage terms supplied by the lender. For a deliberately hypothetical $400,000 purchase with a 3.5% down payment, the down payment is $14,000 and the base loan is $386,000. If a hypothetical assistance calculation uses that base loan, 4% produces $15,440. Calculating 4% of the purchase price instead produces $16,000, overstating that particular award by $560.

The lender must identify the actual calculation base. HIP's administrator guide calculates assistance on the note amount (page 9), so financing FHA's 1.75% upfront premium would raise that $386,000 base to a $392,755 note and the 4% award to about $15,710. The example leaves financed charges out so the arithmetic stays simple; it is not a quotation for HIP, an FHA approval or an estimate of all FHA financing costs.

According to the CFPB Loan Estimate explainer, the estimate should be reviewed against what the lender discussed. In your worksheet, separately list down payment, loan and settlement costs, prepaids, escrow deposits, credits and the deposit already paid. Fees paid earlier still affect your total cash spent, even when they reduce the amount due at signing.

The assumed buyer has already paid $2,000, so total personal cash used in this simplified closing is $5,560, not $3,560. Moving, inspections paid separately, repairs and reserves are excluded. The Nevada closing-cost guide helps organize those categories. If a credit or award is reduced, recalculate the remainder rather than assuming the original low-cash illustration will still close.

How should you compare an assisted mortgage with an unassisted offer?

Compare quotes obtained for the same property, loan amount, lock period and expected closing date. According to the CFPB’s loan comparison guidance, reviewing competing offers helps identify differences in loan costs. Include the assistance note as a separate obligation. An assisted loan can reduce upfront cash while having a different first-mortgage rate, fees or balance due later; none of those effects is captured by the award amount alone.

Ask each lender for an itemized comparison of cash at closing, principal and interest, mortgage insurance, points, lender credits and other loan charges. Then add the property’s taxes, insurance, association dues and assessments. A lower quoted mortgage payment is not necessarily a lower total ownership cost when the offers omit different expenses. Use the same property assumptions for both columns.

A simple sensitivity check can be useful without pretending to predict your outcome. If one hypothetical offer saves $12,000 upfront but adds $100 per month, the added payments total $6,000 over 60 months. That calculation alone does not establish a winner: remaining principal, assistance repayment, tax treatment and the value of retained savings are not included. The table is a prompt for a complete comparison, not a universal break-even formula.

Can you combine assistance with gifts, seller credits or VA and USDA financing?

Yes, you can generally use a seller credit with Home Is Possible assistance, as long as the credit fits the first mortgage's limit. The Housing Division's July 16, 2026 administrator guide sets no seller-credit ban or cap of its own, and its homebuyer, lender and agent FAQ pages don't address the question. The guide tells lenders to follow program, agency and master-servicer rules, so the limit comes from the loan type. The sister Worker Advantage guide lets a seller pay that program's buydown points "as allowable," which shows seller money and Housing Division assistance can sit in one loan. U.S. Bank's lender guide is not public, so have your lender confirm any added rule.

The sources are HUD Handbook 4000.1, Fannie Mae's contribution limits, VA's Lenders Handbook, chapter 8 and USDA's April 20, 2026 proposed rule, which restates the current 6% limit. Four rules shape how the two kinds of help fit together:

• Each dollar has one job. Fannie Mae bars seller money from the down payment, reserves and minimum borrower contribution, and HUD bars it from FHA's Minimum Required Investment. So the layout that fits those rules is assistance toward the down payment and the seller credit toward closing costs and prepaids.
• No cash back. HIP doesn't allow cash back, apart from reimbursing prepaids, an escrow overpayment or extra earnest money. If the assistance isn't all needed, the guide requires the leftover to go to principal, so a large seller credit can turn cash help into a smaller loan balance.
• No temporary buydown. The guide lists temporary buydowns as not allowable on HIP loans, so a seller-paid 2-1 buydown can't be how you use the credit.
• Credits have a ceiling at actual costs. Fannie Mae and HUD both treat credit above the buyer's real costs as a sales concession or inducement, which can lower the value used for the loan.

This answer covers Home Is Possible. Nevada Rural Housing's program pages don't address seller credits, so ask a participating lender about Launchpad and Rural Rocks.

Assistance, gift money, seller credits and lender credits are not interchangeable, so don't add several advertised benefits together and assume the sum is spendable cash.

According to VA’s purchase-loan guidance, eligible buyers may obtain a purchase loan without a down payment when the price does not exceed the appraised value, subject to entitlement and other requirements. That does not eliminate all closing expenses or prove that a separate assistance program is the best fit. Compare the complete eligible package, including any funding fee treatment and available credits.

USDA's rule at 7 CFR 3555.103 ties the loan limit to the appraised value plus the guarantee fee, which is how a USDA loan can avoid a down payment in eligible areas. Income and address review remain necessary. A Nevada Rural Housing map result is not a USDA determination, and no-down-payment financing should not be described as no cash required for every purchase.

For gifts, ask which donors and transfer records are acceptable. For seller credits, ask whether any unused credit is lost or needs a contract amendment. For builder incentives, obtain the written conditions, including any required lender or closing date. The new-construction versus resale comparison explains why an advertised incentive belongs inside a full price-and-financing comparison. Keep a single ledger so the same dollar is not counted as both down-payment help and a rate buydown.

What documents should you obtain before relying on assistance?

Build a small file that another person can follow. Begin with the lender’s written product identification, borrower review and property eligibility result. Add the dated program guideline, current quote or Loan Estimate, assistance note and deed-of-trust terms, education requirement, and any reservation confirmation. The key is not the number of documents; it is whether each important number and condition has a traceable source.

Record the reservation or lock date, expiration, expected closing date and unresolved conditions. Ask who is responsible for an extension, whether it costs money and which deadline concerns closing versus the lender’s later delivery of the loan. Do not promise a seller that assistance adds no time. A complete application can still encounter property, underwriting, title or program conditions that affect the schedule.

Review the cash worksheet when the property, price, loan amount or credit changes. A smaller loan can change percentage-based assistance; a different property can change geographic eligibility, association costs or insurance. The earlier approval should be checked against the final transaction rather than treated as portable to every replacement home. Compare the final closing documents with the approved structure and ask about unexplained differences before signing.

For a practical handoff, write each remaining issue as a question, assign the lender or relevant professional and record the needed answer date. Examples include whether an award is reserved, how a lien is repaid and whether the property’s classification is acceptable. Our Nevada home-buying process guide provides the broader sequence. Keep personal financial documents in the lender’s secure process rather than posting them publicly or sending account credentials in a general inquiry.

Is a new Mortgage Credit Certificate part of the current assistance plan?

Do not budget a new Nevada Rural Housing Mortgage Credit Certificate based on an old article. According to Nevada Rural Housing’s current program notices, new MCC reservations paused effective January 1, 2026. Its MCC page instead provides reissuance instructions for existing certificate holders after refinancing. That is a distinct process from issuing a new certificate to someone buying now.

An MCC also differs from cash applied at settlement. A potential tax benefit is not automatically money available for a down payment, and the amount usable by a taxpayer depends on the certificate and tax rules. Keep closing funds, monthly affordability and later tax reporting in separate parts of the plan. A buyer should not subtract an anticipated annual credit from the cash needed to complete the purchase.

If you already hold a certificate, ask the issuer about the reissuance requirements before refinancing and have a qualified tax professional review the applicable treatment. A new mortgage does not by itself prove that the old certificate remains usable. Keep the original certificate, new loan documents and issuer response together so the analysis is tied to the actual facts.

This review establishes the status described by Nevada Rural Housing, not the absence of every possible tax or employer benefit in Nevada. If another issuer or lender proposes a separate benefit, obtain its current written rules and review it on its own terms. The important correction is to avoid presenting a paused new-reservation program as guaranteed help for every current buyer.

How do you turn this comparison into a home-search budget?

Choose a monthly-cost ceiling, a closing-cash ceiling and a minimum reserve before using assistance to expand the search. The lender’s maximum approval is not the same as the payment that fits your household’s plans. Include property-specific taxes, insurance, HOA dues, assessments and maintenance, then check how much cash remains after moving and initial work. Assistance can address an upfront constraint while leaving the ongoing cost unchanged or higher.

Use a primary scenario based on confirmed terms and a conditional scenario for anything unresolved. If the conditional award is essential, resolve it before depending on that budget in an offer. Keep an unassisted comparison where feasible. A smaller purchase or a different eligible property may fit better than a larger award attached to less suitable loan terms; the choice follows your documented requirements.

For Reno homes, Sparks properties or Pahrump homes, use the same method with the applicable address and program rules. No city is automatically the best fit for assistance, and a historical median price cannot determine an individual home’s affordability. The Las Vegas FHA guide and first-time buyer resources address related financing and purchase questions.

Nevada Real Estate Group is #1 in Nevada and #44 in the nation, backed by more than 9,600 closings and $4.85 billion-plus in volume. Wherever you are buying in Nevada, bring the property shortlist and the lender’s written comparison to our team. Call Southern Nevada at (702) 637-1759 or Northern Nevada at (775) 277-2120, read about Nevada Real Estate Group, or contact our team. The lender confirms program and mortgage eligibility; the property search should use those documented terms.

Frequently asked questions

Which Nevada down-payment assistance programs are currently published?

The sponsors’ October 30, 2026 sheets list first-time HIP, general HIP-DPA, HIP for Teachers, Launchpad and Rural Rocks options. Each has distinct borrower, property and loan rules. A published offering does not confirm a personal reservation. Home First is closed, and Worker Advantage’s current reservation availability was not established in this review.

Do I have to be a first-time buyer?

Not for every program. General HIP has no first-time requirement, while first-time HIP uses a three-year no-ownership rule. Other products have their own conditions. Ask the lender to identify the specific product and review your ownership history alongside the other eligibility requirements.

Is Nevada assistance free money?

Do not assume that. General HIP and Launchpad involve repayable deferred loans. Teachers assistance has conditional prorated five-year forgiveness, while Rural Rocks forgiveness occurs at 30-year maturity without proration. Read the actual note and the sale, refinance, occupancy and maturity provisions before choosing an offer.

Does a Las Vegas mailing address qualify for Launchpad?

The postal address is insufficient. Nevada Rural Housing excludes certain cities and unincorporated areas and uses address-level review in Clark and Washoe counties. Use its property map and obtain lender confirmation for the exact home; a broad community name does not establish eligibility.

Is assistance calculated on the purchase price?

Not automatically. Percentage awards depend on the program’s eligible loan-amount basis. In a hypothetical calculation, 4% of a $386,000 base loan is $15,440, while 4% of a $400,000 price is $16,000. The lender must confirm whether the actual calculation includes financed charges.

Does a 620 credit score qualify me for every Nevada program?

No. Nevada Rural Housing lists 620 for TMS-serviced Home At Last and Rural Rocks, while its US Bank options and HIP have different published floors. Loan, property, income and underwriting requirements also apply. A score alone is not an approval.

Can I receive a new Nevada Rural Housing MCC?

The agency says new MCC reservations paused January 1, 2026. Existing holders can review its separate reissuance process after refinancing. Do not include a new certificate in a purchase plan unless the responsible issuer confirms a current applicable program.

Sources and review scope

Program pages and dated offerings were checked November 1, 2026. Two pages stayed unread: USDA Rural Development’s site refused our fetch, so USDA facts rest on federal regulations and notices, and U.S. Bank’s lender guide is closed to the public. The calculations are hypothetical worksheets, not client transactions, current market averages or lender quotes. No borrower-specific reservation or Worker Advantage funding confirmation was obtained. Recheck offerings when requesting a quote, reserving assistance, changing the property or preparing to close. For a particular transaction, the lender’s current underwriting and signed loan documents control.

• Nevada Housing Division — current rates and offering descriptions
• Nevada Housing Division — first-time HIP
• Nevada Housing Division — general HIP
• Nevada Housing Division — HIP for Teachers
• Nevada Housing Division — first-time county limits
• HIP administrator guide — July 16, 2026
• Worker Advantage administrator guide — July 16, 2026
• Nevada Rural Housing — rates, requirements and repayment terms
• Nevada Rural Housing — assistance programs
• Nevada Rural Housing — geographic guidance and lender FAQs
• Nevada Rural Housing — property eligibility map
• Nevada Rural Housing — MCC reissuance
• CFPB — Loan Estimate explainer
• CFPB — compare loan offers
• VA — purchase loans
• USDA — property eligibility tool
• 7 CFR 3555.103 — maximum USDA loan amount
• USDA — April 20, 2026 proposed rule on seller concessions
• HUD Handbook 4000.1
• Fannie Mae — interested party contributions
• VA Lenders Handbook, chapter 8
• Nevada Housing Division — Worker Advantage announcement
• FOX5 — Home First terms, December 8, 2022
• KTNV — Home First allocation