Down payment assistance income limits in Nevada
26 down payment assistance programs in Nevada publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each Nevada county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Carson City | 2026 | $91,000 |
| Churchill | 2026 | $100,600 |
| Clark | 2026 | $98,200 |
| Douglas | 2026 | $111,500 |
| Elko | 2026 | $111,500 |
| Esmeralda | 2026 | $116,700 |
| Eureka | 2026 | $76,300 |
| Humboldt | 2026 | $96,000 |
| Lander | 2026 | $101,900 |
| Lincoln | 2026 | $98,900 |
| Lyon | 2026 | $97,800 |
| Mineral | 2026 | $67,700 |
| Nye | 2026 | $75,700 |
| Pershing | 2026 | $103,500 |
| Storey | 2026 | $116,800 |
| Washoe | 2026 | $116,800 |
| White Pine | 2026 | $106,500 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| Buy in Nye Homeownership ProgramNye | See programIncome limits based on 300% of the Federal Poverty Guidelines (FPG) and household size; for each additional household member add $15,420 | — |
| Chase Homebuyer Grant (Las Vegas-Henderson-Paradise)Las Vegas · Clark | See programNo income limit for the grant itself; Chase removed the income limit on the DreaMaker mortgage in communities where the Homebuyer Grant is available. Underlying loan products may have their own income guidelines. | — |
| City of Las Vegas HOME Homebuyer AssistanceLas Vegas · Clark | 80% of area median incomeBeneficiaries must be low-income households (at or below 80% Area Median Income per HUD HOME program rules). Specific dollar limits by household size follow current HUD income limits for the Las Vegas area and were not published in the manual. | — |
| Clark County Welcome Home Community Land Trust (CLT)Clark County | 100% of area median income2026 HUD-based limits by household size: 2-person $78,560 (100% AMI); 3-person $88,380; 4-person $98,200; 5-person $106,056; up to 9-person $137,480. Minimum income floor also applies (4-person $49,101). 80% AMI tier applies to Cactus Trails. | $341,200 |
| FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Nevada | 140% of area median incomeHousehold income between 80.01% and 140% of HUD AMI based on property address, adjusted for household size. Buyers at/below 80% AMI denied FHA financing may qualify under a special exception. | — |
| Habitat for Humanity Las Vegas Homeownership ProgramLas Vegas · Clark | 80% of area median incomeHousehold income between 30% and 80% of AMI per current HUD limits for Clark County. 2026 4-person limits: 30% AMI = $31,650; 50% = $52,750; 80% = $84,400. Gross monthly income of everyone over 18 counted. | — |
| Home At LastMultiple · Multiple | $165,000NRHA Home At Last household income limits: HFA Conventional cap of $165,000 statewide. Government products use county-specific HUD limits ranging $67,120 (1p low-cost county) up to $100,150 (large household high-cost county). See homeatlastnv.org for current county schedule. | — |
| Home First | $93,600Government loans (FHA/VA/USDA): max income = 300% of Federal Poverty Level. Conventional: lesser of 300% FPL or 80% county AMI. Per eHousingPlus limits effective 05/19/24, 4-person 300% FPL = $93,600. (Figures from 05/19/24 legacy table; may have changed on relaunch.) | $570,000 |
| Home Is PossibleStatewide · Statewide | $165,000NHD HIP (general) single statewide household income cap of $165,000 regardless of household size. Higher than HIP FTHB and not segmented by targeted/non-targeted area (HIP general is not bond-funded under Section 143 in the same manner as HIP FTHB). | $832,750 |
| Home Is Possible for First-Time HomebuyersStatewide · Statewide | $152,320NHD HIP FTHB household income limits by county and household size: $94,800 (1-2p non-targeted) - $108,420 (3+p non-targeted); $113,760 (1-2p targeted) - $152,320 (3+p targeted). Limits per IRS Section 143 (MRB). | $746,181 |
| Home Is Possible For Heroes | $95,500Qualifying income below $95,500 | $400,000 |
| Home Is Possible for Teachers | $105,000 | — |
| Home Is Possible Mortgage Credit Certificate (MCC) | See programCounty-specific maximum household income limits apply (higher for 3+ person households and for Targeted Areas). Current dollar limits must be confirmed with NHD before use (only a 2016-effective table was locatable). | — |
| Home Means Nevada Rural DPAMultiple · Multiple | $158,160NRHA Home Means Nevada Rural DPA household income limits by county and household size: $45,180 (1p low-cost county) up to $158,160 (8p high-cost county). Limits track HUD county AMI and IRS Section 143 (MRB) where applicable. | $647,200 |
| Launchpad (including Launchpad for First-Time Homebuyers) | $117,300Launchpad: maximum income $165,000 (USDA-RD loans qualify even above $165,000; conventional loans restricted to 80% AMI). Launchpad for First-Time Homebuyers non-targeted-area limits by county (1-2 person / 3+ person), effective 5/19/2025, e.g. Clark $102,000/$117,300; Washoe $118,503/$136,279; Douglas $130,560/$152,320. Targeted-area limits are higher (e.g. Clark $122,400/$142,800; Washoe $132,600/$154,700). | — |
| RNDC Down Payment Assistance — Home Means Nevada Initiative (HMNI)Multiple · Carson City, Churchill, Douglas, Elko, Esmeralda, Eureka, Humboldt, Lander, Lincoln, Lyon, Mineral, Nye, Pershing, Storey, White Pine | See programLow-income first-time homebuyers; eligibility set by gross annual income and purchase price (Part 5/HUD income; specific limits per county/program, not published in the brochure). | — |
| Rural Nevada Development Corporation Down Payment Assistance (HOME) | See programLow-income, first-time homebuyers; eligibility determined by applicant's gross annual income and the home's purchase price. Could not confirm specific income-limit dollar amounts by household size from the program page. | — |
| Rural Rocks $20K | 150% of area median incomeHousehold income must not exceed 150% AMI; single limit per county (all household sizes): Carson City $139,050; Churchill $152,850; Clark $142,350; Douglas $163,200; Elko $165,450; Esmeralda $158,850; Eureka $120,750; Humboldt $146,250; Lander $161,400; Lincoln $142,950; Lyon $141,900; Mineral $96,150; Nye $109,500; Pershing $154,200; Storey $167,700; Washoe $167,700; White Pine $156,750. | $806,500 |
| Section 184 Indian Home Loan Guarantee Program (Nevada) | See programNo HUD-published income limit for Section 184; lender qualifies borrower under program/agency guidelines. | — |
| Southern Nevada RHA Housing Choice Voucher Homeownership ProgramLas Vegas · Clark | 50% of area median incomeHCV admission requires household income at or below 50% of Las Vegas-area AMI. 2025 Very Low Income (50% AMI) by household size (eff. 4/1/2025): 1 $35,700; 2 $40,800; 3 $45,900; 4 $51,000; 5 $55,100; 6 $59,200; 7 $63,250; 8 $67,350. | — |
| The Culinary & Bartenders Housing Partnership Down Payment Assistance programLas Vegas · Clark | $100,550HUD Clark County 80% AMI by household size: $51,700 (1p) / $59,100 (2p) / $66,500 (3p) / $73,850 (4p) / $79,800 (5p) / $85,700 (6p) / $91,600 (7p) / $100,550 (8p). 2025 HUD limits. | — |
| The WISH Down Payment Assistance programMultiple · Clark | 80% of area median incomeFHLB SF WISH income limits set at 80% Area Median Income (AMI) for the property's county. For Clark County (Las Vegas-Henderson-Paradise MSA), 2025 80% AMI limits range $51,700 (1p) to $114,250 (8p, after high-cost adjustment). Confirmed against HUD income limits annually. | — |
| Truckee Meadows Habitat for Humanity Homeownership ProgramSparks · Washoe | 60% of area median incomeHousehold income must not exceed 60% of the area median income, defined annually by HUD for the applicant's family size (Washoe County). | — |
| USDA Single Family Housing Direct Home Loan (Section 502 Direct) - NevadaStatewide · Statewide | See programAdjusted household income at or below the applicable low/very-low income limit for the area (varies by county and household size). | — |
| USDA Single Family Housing Guaranteed Loan Program (Section 502 Guaranteed) - Nevada | 115% of area median incomeAdjusted household income may not exceed 115% of the area median household income for the county where the home is located (per USDA income eligibility tables) | — |
| Worker Advantage Program | 150% of area median incomeHousehold income up to 150% AMI; single limit applies to all household sizes per county: Carson City $139,050; Churchill $152,850; Clark $142,350; Douglas $163,200; Elko $165,450; Esmeralda $158,850; Eureka $120,750; Humboldt $146,250; Lander $161,400; Lincoln $142,950; Lyon $141,900; Mineral $96,150; Nye $109,500; Pershing $154,200; Storey $167,700; Washoe $167,700; White Pine $156,750. Qualifying income includes borrowers, spouses, and all household members 18+ (related or unrelated). | $806,500 |
Questions, answered
What are the income limits for down payment assistance in Nevada?
26 down payment assistance programs in Nevada publish an income limit, a purchase price cap, or both. 10 express the limit as a percentage of the area median income for the county where the home is, and 15 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
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