FHA Home LoansNMLS #65506
Every FHA loan guide, calculator, and requirement explained for Clark County buyers — low down payment, flexible credit, and HUD-backed financing made simple.
FHA loans help Las Vegas buyers with lower credit and small savings get into a home with 3.5% down. Valley West Mortgage shops 50+ FHA wholesale lenders for the best monthly payment.
An FHA loan in Las Vegas needs a 580 FICO for 3.5% down, or 500–579 with 10% down. The 2026 FHA loan limit in Clark County is $541,287. FHA loans carry an upfront 1.75% MIP plus an annual MIP. Valley West Mortgage, Las Vegas (NMLS #65506), shops 50+ FHA wholesale lenders.
The 2026 FHA loan limit for a one-unit home in Clark County is $541,287 — the HUD national floor. Here's how the limit is set, how it compares to Las Vegas home prices, and what to do when the home you want sits just above the line.
Read the guideHUD-backed financing, 3.5% down, and why first-time Clark County buyers choose it.
6 minRead Credit580 for 3.5% down, 500–579 with 10% down, and how lenders read your FICO.
7 minRead Down PaymentWhat 3.5% actually costs on a Las Vegas home and where gift funds fit.
6 minRead MIPUpfront 1.75% plus annual MIP — how long it lasts and how to remove it.
7 minRead 203(k)Roll repairs into one FHA loan to buy and fix a Clark County fixer-upper.
8 minRead ProcessThe documents underwriters want and how to move fast on a Las Vegas offer.
8 minRead CreditHow debt-to-income works and what lets buyers stretch past the usual caps.
6 minRead FHA BasicsA side-by-side for Clark County buyers weighing MIP against down payment.
6 minRead Down PaymentDocumenting gift money and stacking Nevada assistance programs the right way.
5 minReadFour steps Clark County first-time buyers follow with Valley West Mortgage. Lower credit and small savings welcome.
FHA accepts scores from 580 with 3.5% down. We review where you stand and what gift funds are allowed.
Start hereOne application. We shop 50+ FHA wholesale lenders for the lowest monthly payment on your profile.
Next stepThe 2026 FHA limit in Clark County is $541,287. We help you target homes that fit FHA financing.
Next stepSign and fund. We explain upfront and annual MIP so there are no surprises at the table.
Next stepThe vocabulary that shows up in every Las Vegas FHA file.
Las Vegas rate moves and buyer tips, straight to your inbox — no spam.
The 2026 FHA loan limit for a one-unit home in Clark County is $541,287, the HUD national floor. Two-to-four-unit properties have higher limits.
A 580 FICO qualifies for the 3.5% minimum down payment. Scores from 500 to 579 can still qualify with 10% down, subject to lender overlays.
FHA charges an upfront mortgage insurance premium of 1.75% of the loan amount, plus an annual MIP paid monthly. On most 3.5%-down loans the annual MIP stays for the life of the loan.
Yes. The entire 3.5% down payment can come from a documented gift from family. Valley West Mortgage will walk you through the gift-letter paperwork.
No. Valley West Mortgage is an independent, licensed mortgage broker (NMLS #65506) and is not affiliated with or endorsed by HUD, the FHA, or any government agency.
Figures shown are illustrative and not a commitment to lend. Actual rates and limits depend on credit profile, loan-to-value, occupancy, property type, and market conditions at time of lock. Subject to change without notice.