FHA Home Loans · Las Vegas, NV

FHA loans inLas Vegas.

3.5% down. Flexible credit. Local guidance.

The low-down-payment path to your first Las Vegas home — flexible credit, 3.5% down, and Nevada down-payment help, all explained by a direct local lender who answers the phone.

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Las Vegas, NV · Licensed in 33 states
4.9 ★ rated
750+ reviews
A+ Accredited
BBB · since 2004

Quick answer — Yes, FHA is one of the easiest ways to buy a first home in Las Vegas — as little as 3.5% down with flexible credit (often FICO 580+), up to the Clark County FHA loan limit. Valley West Mortgage prices it in-house as a direct local lender.

Led by Vatche Saatdjian · Las Vegas mortgage expert since 2004 · NMLS #65506 · Updated June 2026

Answer first

Can I get an FHA loan in Las Vegas?

Yes — FHA is built for buyers who need a low down payment and flexible credit. Here's why it works so well across Clark County.

As little as 3.5% downFHA's minimum down payment is 3.5% of the purchase price with a qualifying score — and gift funds from family are allowed.
Flexible credit, real homesFHA often works with a FICO of 580+ and a higher debt-to-income ratio than conventional — on real Las Vegas homes up to the Clark County limit.
Stackable with Nevada helpPair FHA with state down-payment assistance to cover much of your down payment and closing costs — we'll line them up for you.
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The math, made simple

What 3.5% down looks like in Las Vegas.

A worked example on a typical Las Vegas price. Figures are illustrative — not a rate quote — but they show how little it takes to start.

Median Las Vegas price
$450,000
A representative valley single-family price.
3.5% down
$15,750
Your minimum FHA down payment — gift funds allowed.
FHA loan amount
$434,250
Before financed upfront MIP and closing costs.
Well under the 2026 Clark County FHA loan limit
FHA · 3.5%$15,750
Conventional · 20%$90,000

Illustrative only — not a rate quote or loan offer. Down-payment figures shown on a $450,000 example price; actual price, loan amount, MIP, taxes, insurance, and closing costs vary. Bar lengths compare the cash needed to reach each down-payment tier.

Limits & credit

FHA limits & credit in Clark County.

Two things decide whether FHA fits your purchase: the county loan limit and your credit tier. Here's how both work.

2026 Clark County FHA limit (1-unit)
$524,225
Reference figure for a single-family home. FHA limits update annually and can be higher for 2–4 unit properties — confirm the current number with us before you write an offer.
Credit scoreMinimum downWhat it means
580+3.5%The standard FHA low-down tier — the most common path.
500–57910%Still possible with a larger down payment and a closer review.
620+3.5%Often unlocks stronger pricing and smoother approval.
Below 500—Let's build a short plan to get you qualifying first.

Credit tiers are general FHA guidance; lenders apply their own overlays. We review your full financial picture, not just one number.

Stack the help

Stack FHA with Nevada down-payment help.

Start with FHA's low down payment, then layer Nevada assistance programs on top to cover much of what's left.

Home Is PossibleForgivable assistance toward your down payment and closing costs. Up to ~4% Home FirstFirst-time-buyer help with down payment and closing costs. Up to $15k Worker AdvantageAssistance for eligible working Nevada buyers. Up to $20k
Your FHA loan — the base3.5% down on a Las Vegas home, with the programs above stacked on top. 3.5% down

Program names, amounts, and eligibility change and are set by the program administrators — confirm current details with us. Assistance availability depends on income, location, and funding.

Plain English

How FHA mortgage insurance works.

FHA's low down payment is made possible by mortgage insurance. There are two pieces — here's each one, simply.

Upfront MIP

A one-time upfront premium, usually financed into your loan amount so you don't pay it in cash at closing. It's the same percentage for everyone, regardless of credit.

Annual MIP

An ongoing premium split into your monthly payment. It keeps your FHA payment higher than a comparable conventional loan — but it's the trade that makes 3.5% down and flexible credit possible.

How it works

Your first Las Vegas home, step by step.

Five clear steps from "can I afford it?" to keys in hand — handled by one local team.

1

Get pre-approved

Share income and credit and we'll size your FHA budget and monthly number.

2

Line up assistance

We check which Nevada down-payment programs you qualify for and stack them.

3

Shop the valley

House-hunt with a real pre-approval and a clear all-in payment estimate.

4

Make your offer

We back your offer and order the FHA appraisal and Minimum Property check.

5

Close

Sign with 3.5% down and get the keys to your first Las Vegas home.

Start my FHA pre-approval
Keep going

Go deeper on your FHA loan.

FHA limits, Clark County

The 2026 Clark County FHA loan limit and what it means for your price range.

Read the guide

FHA credit-score requirements

What score you need, the down-payment tiers, and how to strengthen your file.

Read the guide

FHA requirements in Nevada

Credit, income, DTI, property standards, and MIP — the full FHA checklist.

Read the guide
Explore more

Your Las Vegas FHA toolkit

FHA Loans in Henderson2026 FHA Loan LimitsFHA Loan RequirementsFHA Down Payment 2026FHA Credit Score RulesDown Payment AssistanceBest FHA LendersAffordability Checkup
Common questions

FHA loans in Las Vegas, answered.

Can I get an FHA loan in Las Vegas?
Yes. FHA is a popular low-down-payment path for Las Vegas buyers — as little as 3.5% down with flexible credit (often FICO 580+) on a property up to the Clark County FHA limit. As a direct local lender, Valley West Mortgage prices and underwrites your file in-house.
How much do I need for a down payment?
The FHA minimum is 3.5% of the purchase price with a qualifying score, and gift funds from family are allowed. Nevada down-payment assistance programs can cover much of that down payment and closing costs.
What credit score do I need for an FHA loan?
FHA generally allows 3.5% down with a FICO of 580 or higher; scores from 500–579 may qualify with 10% down. Lenders apply their own overlays — we review your full picture, not just the number. See our FHA credit-score guide.
How does FHA mortgage insurance (MIP) work?
FHA loans carry two premiums: an upfront MIP usually financed into the loan, and an annual MIP paid monthly. The annual premium keeps your payment higher than a comparable conventional loan, but it's what makes the low down payment and flexible credit possible.
What is the FHA loan limit in Clark County?
FHA limits are set by county and update annually. The single-family limit for Clark County is a reference figure that can change each year and is higher for 2–4 unit properties — confirm the current number with us before you write an offer.
Can I use FHA as a first-time buyer in Nevada?
Absolutely — FHA is one of the most common loans for first-time buyers because of the low down payment and flexible credit. It also pairs well with Nevada down-payment assistance programs aimed at first-time and working buyers.
Does the home have to pass an inspection?
FHA requires an appraisal that also checks the home against HUD's Minimum Property Requirements — basic safety, soundness, and security. It's not a full home inspection, and we recommend getting your own inspection too.
Why use a local Las Vegas lender for an FHA loan?
We price every FHA file in-house and you talk to a real local person — not a call center. That usually means lower rates, faster answers, and someone in Las Vegas who knows the programs and timelines.
From the buyers we serve

Read what buyers say.

★★★★★
3.5% down made our first home real. They walked us through every step and found us a great rate.
Maria G. · First-time buyer
★★★★★
My credit wasn't perfect and I figured a home was years away. Valley West got me approved in weeks.
Andre P. · Las Vegas
★★★★★
We used a 203(k) to buy and renovate a fixer-upper. One loan, one closing — exactly as promised.
The Lawson Family
★★★★★
They explained MIP and every number clearly. No surprises at closing — just honest guidance.
Dani T. · Summerlin
★★★★★
Gift funds from my parents covered the down payment. The team made the whole thing simple.
Ruben C. · North LV
★★★★★
First home, first loan, lots of questions — and a real local person answered every one.
Kayla S. · Enterprise

Customer experiences may vary. Reviews do not guarantee loan approval, rates, terms, or outcomes.

A Las Vegas home at dusk

Your first home is
closer than you think.

One application. One local team, lower rates, and a clear path to your strongest FHA option in Las Vegas — 3.5% down, flexible credit.

See if you qualify (702) 696-9900