Nevada down payment assistance, including minimum FICO.
Statewide and rural programs, first-time-buyer options and national DPA—with the credit-score floor shown wherever the program administrator publishes one.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
Quick comparison
| Program | Assistance | Published minimum FICO | Key feature |
|---|---|---|---|
| Home Is Possible | Up to 5% | 640; 660 manufactured | Statewide; no first-time-buyer requirement. |
| HIP First-Time Homebuyers | Up to 4% | 640; 660 manufactured | 0% non-forgivable 30-year second. |
| Home At Last | Varies by current option | 620 TMS / 640 U.S. Bank; 660 manufactured with U.S. Bank | Rural-eligible Nevada; servicer affects credit floor. |
| Rural Rocks $20K | $20,000 | 620 TMS / 640 U.S. Bank | Limited funding; Nevada residency requirement. |
| Launchpad | 3% or 5% | 640 U.S. Bank | No first-time-buyer requirement. |
| Launchpad First-Time | 2% or 4% | 640; 680 manufactured per current program detail | Below-market-rate structure; county limits. |
| National programs | Varies | Program/lender specific | Check NHF and Chenoa alongside Nevada programs. |
Nevada Housing Division — Home Is Possible
Home Is Possible currently offers up to 5% of the loan value for down payment or closing costs with a 30-year fixed-rate first mortgage. It is available statewide and does not require first-time-homebuyer status.
Published minimum FICO: 640, or 660 for manufactured homes. Current program limits include qualifying income up to $165,000 and a home price up to $832,750.
Home Is Possible for First-Time Homebuyers
This statewide Nevada Housing Division option currently offers up to 4% of the total loan amount for down payment and closing costs. Borrowers generally must not have owned a primary residence during the previous three years.
Published minimum FICO: 640, or 660 for manufactured homes.
Nevada Rural Housing — Home At Last
Home At Last serves eligible rural Nevada properties and can be used with FHA, VA, USDA and conventional financing. Rural eligibility matters: the program is not available in the city limits of Reno, Las Vegas, North Las Vegas or Henderson and excludes certain large unincorporated townships; Nevada Rural Housing provides an address map for Clark and Washoe County eligibility.
Current minimum FICO: The Money Source (TMS) generally permits 620; U.S. Bank generally requires 640, or 660 for manufactured homes. Agency or other applicable requirements can be more restrictive.
Rural Rocks $20K
Rural Rocks provides $20,000 that can be used toward down payment/closing costs or partly toward a permanent interest-rate reduction. The current maximum purchase price is $832,750, county income limits apply, and there is no first-time-buyer requirement.
Current minimum FICO: 620 through TMS; U.S. Bank generally requires 640 (660 for manufactured homes under its current requirements).
At least one borrower must have been a Nevada resident for six months before reservation, and prior Nevada Rural Housing program users are not eligible. Funding is limited.
Launchpad
Launchpad currently offers 3% and 5% down payment and/or closing-cost assistance. It does not require first-time-homebuyer status and has a current program income cap of $165,000, although agency/conventional limits can be more restrictive.
Published minimum FICO: 640 through the current U.S. Bank Launchpad structure; manufactured-home requirements can be higher.
Launchpad for First-Time Homebuyers
This version provides 2% or 4% DPA paired with below-market rates. County/household-size income and purchase-price limits apply. Veterans and buyers purchasing in eligible targeted areas may receive an exemption from the normal first-time-buyer requirement.
Published minimum FICO: current program details list 640, with 680 for manufactured homes.
Nevada Rural Housing Mortgage Credit Certificate
The MCC is not DPA, but consumers may encounter old Nevada pages discussing it. Nevada Rural Housing says new MCC reservations have been paused since January 1, 2026. Existing MCC holders can still use the reissuance process after refinancing.
National programs Nevada buyers should also check
National Homebuyers Fund
NHF multi-state assistance should be compared with Nevada Housing Division and Nevada Rural Housing options. The exact minimum score and assistance structure depend on the specific program, first mortgage and participating lender, so Mortgage Navigator will not invent one universal NHF FICO number.
Chenoa Fund
Chenoa Fund offers FHA DPA through approved lender partners and is available in Nevada. The current program/lender requirements should be checked at the time of application because overlays and product structure matter.
Why the FICO number belongs on every DPA guide
A consumer shouldn't have to open five PDFs just to discover that a program requires 640. Going forward, every Mortgage Navigator DPA page will show a Published Minimum FICO wherever an official current source provides one. When the minimum varies by loan type, servicer, property type or product, we'll show that distinction instead of oversimplifying it.
Buying in Nevada?
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