What are the FHA loan requirements in Nevada for 2025?

Nevada FHA loan requirements for 2025 include: 580 minimum credit score for 3.5% down (or 500 credit score with 10% down), maximum 50% debt-to-income ratio, 3.5% minimum down payment, steady employment history (2+ years), primary residence occupancy, property must meet FHA appraisal standards, and loan amount within Nevada county limits ($498,257-$571,950 depending on county).

Can I buy a house in Las Vegas with bad credit using FHA?

Yes, FHA loans in Las Vegas accept credit scores as low as 580 (3.5% down) or 500 (10% down). Many Nevada lenders offer manual underwriting for borrowers with non-traditional credit. If your credit score is below 580, work on improving it for 6-12 months before applying, or consider down payment assistance programs that may help compensate for lower credit.

What is the maximum FHA loan amount in Nevada?

2025 FHA loan limits in Nevada vary by county: Clark County (Las Vegas, Henderson) - $498,257; Washoe County (Reno, Sparks) - $571,950; Carson City - $571,950. Rural Nevada counties range from $498,257 to $571,950. Multi-unit properties have higher limits (2-unit: up to $638,100-$732,050; 3-unit: up to $771,450-$884,700; 4-unit: up to $958,350-$1,099,450).

How much money do I need upfront for an FHA loan in Nevada?

Typical upfront costs for Nevada FHA loans: 3.5% down payment ($14,000 on $400K home), 1.75% upfront MIP ($7,000 on $400K - can be financed), 2-5% closing costs ($8,000-$20,000 - sellers can contribute up to 6%). Total cash needed: $15,000-$25,000 out of pocket, though down payment assistance programs can reduce this significantly. Gift funds from family can cover 100% of down payment.

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Nevada Loan Programs

FHA Loans

3.5% down payment, flexible credit requirements. Perfect for first-time Nevada buyers.

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VA Loans

0% down, no PMI. Exclusive benefit for Nevada veterans, active military, and eligible spouses.

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Conventional

As low as 3% down. Best rates and most flexible terms for qualified Nevada borrowers.

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Jumbo Loans

High-value properties above conforming limits. Competitive rates for luxury Nevada homes.

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Nevada Mortgage Market Insights

What you need to know about buying or refinancing in Nevada right now.

Nevada Real Estate Trends

No state income tax — More affordable than California neighbors
Growing job market — Tech, tourism, and logistics driving demand
Inventory improving — More choices in Las Vegas and Reno areas
Competitive rates — Nevada buyers qualify for national best rates

Nevada-Specific Advantages

Property taxes lower than national average — Clark County median is ~0.67%
HOA-managed communities — Common in Las Vegas valley, factor into costs
Fast closings possible — Nevada closing timelines average 30-45 days
Down payment assistance available — Nevada Housing Division programs

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