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FHA Learning Center
Every FHA guide we publish for Las Vegas buyers — requirements, costs, loan limits, and local programs — organized so you can find the answer in one click.
Editor’s picks
Start with these three
The guides most Las Vegas buyers need first.
FHA 203k loan in Las Vegas: finance the purchase and the renovation in one loan
The FHA 203k loan lets Las Vegas buyers finance a home purchase and renovation in one loan -- limited vs. standard 203k, eligible repairs, and loan…
8-minute readRead guideClark County property taxes and your FHA payment in 2026
Clark County property taxes and your FHA payment in 2026: Nevada tax rates, assessment cycles, and how property taxes affect your monthly PITI.
8-minute readRead guideWhat credit score do you need to buy a home in Las Vegas?
Credit score to buy a Las Vegas home: FHA, conventional, and VA basics, plus what lenders review beyond the score.
7-minute readRead guide5 guides
Start here
What credit score do you need to buy a home in Las Vegas?
Credit score to buy a Las Vegas home: FHA, conventional, and VA basics, plus what lenders review beyond the score.
7-minute readRead guideFHA appraisal requirements in Nevada: what buyers must know
FHA appraisals check more than value -- they verify Minimum Property Standards (MPS). What Nevada buyers should know before an FHA offer in Las Vegas.
8-minute readRead guideFHA loan requirements inNevada
Every 2026 FHA loan requirement in Nevada: credit tiers, DTI ceilings, employment history, appraisal rules, and the $541,287 Clark County limit.
9-minute readRead guideFirst-time home buyer in Las Vegas: the 2026 complete guide
Las Vegas first-time home buyer guide 2026: FHA 3.5% down, Nevada DPA up to $20K, credit minimums, and the step-by-step process. NMLS #65506.
10-minute readRead guideLas Vegas FHA First-Time Buyer Checklist
A Las Vegas FHA checklist for first-time buyers covering documents, down payment source, gift funds, credit, DTI, appraisal, and cash to close.
10-minute readRead guide12 guides
Costs, MIP & rates
Clark County property taxes and your FHA payment in 2026
Clark County property taxes and your FHA payment in 2026: Nevada tax rates, assessment cycles, and how property taxes affect your monthly PITI.
8-minute readRead guideFHA affordability dataset Clark County 2026 — down payment, MIP, and income tables
Clark County FHA data 2026: down payment, MIP, monthly PI+MIP, income at 43% DTI — four price tiers up to $541,287 (HUD). Illustrative. NMLS #65506.
Read guideFHA Clark County affordability map for 2026 buyers
A practical FHA affordability map for Clark County buyers in 2026: loan limit, 3.5% down, MIP, DTI, cash to close, and local payment planning.
23-minute readRead guideHow much are closing costs on an FHA loan in Las Vegas?
FHA closing costs in Las Vegas run 2%-5% of the price plus a 1.75% upfront MIP (usually financed). See the line items and how to reduce them.
7-minute readRead guideFHA 3.5% down —the full cost picture.
What an FHA 3.5% down payment really costs in Las Vegas in 2026 — UFMIP, monthly MIP, cash to close, and how to pay less. NMLS #65506.
8-minute readRead guideFHA gift funds: using gift money for a down payment
FHA gift funds rules for Nevada buyers in 2026: who can gift, the gift letter, sourcing and seasoning, and how gifts differ from down payment…
8-minute readRead guideHow do FHA loan rates work in Las Vegas?
What actually determines your FHA loan rate in Las Vegas — market forces, your credit and down payment, and how to compare Loan Estimates…
9-minute readRead guideFHA MIP explained: upfront and annual costs in 2026
FHA loans require mortgage insurance. Learn how the upfront MIP and annual MIP work in 2026, what they cost, and how to get rid of FHA mortgage…
8-minute readRead guideRefinancing out of FHA MIP: when the math makes sense in 2026
When refinancing out of FHA mortgage insurance actually saves money: the equity, credit, and break-even checkpoints for Las Vegas borrowers in 2026.
8-minute readRead guideYour FHA monthly payment in Las Vegas: PITI and MIP in 2026
What your FHA monthly payment looks like in Las Vegas for 2026. Full PITI with MIP, Nevada property taxes, and homeowners insurance included.
9-minute readRead guideFHA loan payment & MIP calculator for Las Vegas (2026)
Free FHA loan calculator for Clark County: base loan, 1.75% UFMIP, annual MIP, and full PITI payment — plus how FHA MIP works and when it drops off.
9-minute readRead guideNevada Worker Advantage: up to $20,000 down payment help for Las Vegas buyers
Nevada Worker Advantage gives eligible essential workers up to $20,000 in down payment help to buy a Las Vegas home in 2026. See who qualifies.
9-minute readRead guide5 guides
Loan limits & county data
FHA Loan Guide for Clark County, Nevada
How FHA loans work for Clark County and Las Vegas buyers in 2026: 3.5% down, 580 credit, MIP, the $541,287 loan limit, appraisal, and cash to close.
10-minute readRead guideFHA Loan Limits by County: The Complete 2026 Nevada Guide
FHA loan limits for all 17 Nevada counties, 2026: from $541,287 in Clark to $736,000 in Douglas, how HUD sets them each year, plus 3.5% down and MIP…
14-minute readRead guideFHA Loan Guide for Nye County and Pahrump
FHA loans for Pahrump and Nye County buyers in 2026: the $541,287 limit, well and septic rules, manufactured homes, road access, commute, and cash to…
11-minute readRead guideFHA Loan Guide for Washoe County, Nevada
How FHA loans work for Washoe County and Reno buyers in 2026: the verified $638,250 loan limit, 3.5% down, 580 credit, MIP, appraisal, and cash to…
10-minute readRead guideFHA Loans in Henderson, Nevada
Henderson FHA buyers: 3.5% down, credit bands, MIP, the $541,287 Clark County limit, condo/project approval, appraisal, HOA, and cash to close.
11-minute readRead guide2 guides
Programs & options
FHA 203k loan in Las Vegas: finance the purchase and the renovation in one loan
The FHA 203k loan lets Las Vegas buyers finance a home purchase and renovation in one loan -- limited vs. standard 203k, eligible repairs, and loan…
8-minute readRead guideFHA manufactured and modular home loans in Las Vegas: Title I vs. Title II
FHA manufactured and modular home loans in Las Vegas: how Title I (home-only) and Title II (land + home) differ, plus 2026 loan limits and…
9-minute readRead guide4 guides
Refinance
FHA cash-out refinance: the 80% rule, the seasoning, and the Las Vegas math
FHA caps a cash-out refinance at 80% of your home's value. Learn the Las Vegas equity requirements, credit score minimums, and appraisal process.
9-minute readRead guideFHA streamline refinance calculator and net tangible benefit worksheet
Test an FHA streamline against HUD's net tangible benefit standard: a calculator on your figures, the worksheet lenders fill out, and the 210-day…
12-minute readRead guideHow does an FHA Streamline refinance work in Las Vegas?
FHA Streamline refinance lets existing FHA borrowers reduce their rate with less paperwork and no appraisal. How to qualify in Las Vegas.
7-minute readRead guideIs an FHA streamline refinance a good idea? Pros, cons, and the rental-property rule
FHA streamline refinance pros and cons for Las Vegas owners: no appraisal, the UFMIP refund clock, and why closing costs cannot be rolled in.
12-minute readRead guide15 guides
Las Vegas local guides
How does FHA condo approval work in Las Vegas?
An FHA condo loan in Las Vegas needs project approval or a Single-Unit Approval. How to check the HUD list and your options if a project isn't…
9-minute readRead guideFHA inspection checklist for Las Vegas: how to prep a home to pass
FHA requires an appraisal with Minimum Property Requirements, not a separate inspection. Use this Las Vegas 2026 checklist to prep a home and pass.
9-minute readRead guideHow do FHA loans work in Las Vegas HOA communities?
FHA loans work in Las Vegas HOA communities, but HOA dues count in your DTI. How dues, master insurance, and special assessments affect a 2026 FHA…
9-minute readRead guideFHA loans and LLCs: can a Las Vegas rental be held in an LLC?
FHA requires title in your own name or a living trust. What that means for moving a Las Vegas rental into an LLC, and the path that works.
9-minute readRead guideCan self-employed and 1099 workers get an FHA loan in Las Vegas?
Self-employed or 1099 in Las Vegas? Get an FHA loan with 3.5% down. How FHA reads your Schedule C net income, the 2-year rule, and the docs you need.
9-minute readRead guideFHA Loans in North Las Vegas
How FHA loans work for North Las Vegas buyers: 3.5% down, 580 credit, source of funds, DTI, cash to close, the $541,287 limit, and new-construction…
10-minute readRead guideFHA house-hacking in Las Vegas: buying a 2-4 unit with 3.5% down
How FHA house-hacking works in Las Vegas: the owner-occupancy rule, the 3-4 unit self-sufficiency test, rental income, and 2026 Clark County limits.
9-minute readRead guideCan you buy a rental property with an FHA loan? The occupancy rules, honestly
FHA is owner-occupancy only, so investment properties are not eligible. The real Las Vegas rules: 60-day occupancy, the 100-mile exception, and what…
9-minute readRead guideFHA offers aren't second-class: a Las Vegas agent's guide to winning with FHA buyers
What FHA minimum property requirements actually flag, the appraisal mechanics sellers care about, and how Las Vegas agents present an FHA offer…
10-minute readRead guideFHA seller concessions in Las Vegas: the 6% rule, what credits can pay, and how much to request in 2026
FHA seller concessions can cover eligible closing costs but not the required down payment. Use the 2026 Las Vegas planner and learn HUD's 6% rule.
10-minute readRead guideWhat is the FHA debt-to-income ratio in Nevada?
The FHA debt-to-income ratio limit is 43% back-end for most borrowers, but some exceptions go higher. Here is how DTI works for FHA loans in Nevada.
8-minute readRead guideNevada FHA Loan FAQ for 2026
Answers to Nevada FHA questions for 2026: credit, 3.5% down, gift funds, MIP (1.75% upfront + 0.55%), DTI, appraisal, closing costs, and FHA vs…
11-minute readRead guideFHA vs VA loan in Nevada: which is right for you?
FHA loans are open to any buyer. VA loans are for eligible veterans with no down payment. Nevada 2026 comparison -- how to choose.
7-minute readRead guideFHA Mortgage Glossary: FHA loan terms explained
Plain-language FHA glossary for Nevada buyers: MIP, DTI, loan limits, down payment, streamline refinance, and related guides.
6-minute readRead guideYour next step
See what you actually qualify for
Guides explain the rules — a free file review shows your real rate, payment, and options. No pressure, no obligation, starts online.
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