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FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Nevada

Federal Home Loan Bank of San Francisco (delivered via member financial institutions) · Nevada

Last verified
See what you qualify forOfficial program site →
Assistance

$50,000

The maximum the program publishes — not an offer

Income limit

140% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Nevada?

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Nevada is a grant for homebuyers in Nevada, administered by Federal Home Loan Bank of San Francisco (delivered via member financial institutions).

  • The FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program provides matching grants of up to $50,000 to first-time homebuyers earning between 80.01% and 140% of AMI purchasing in Arizona, California, or Nevada. Buyers must contribute a minimum of $10,000 of their own funds and complete homebuyer counseling; the grant is delivered to escrow by a participating FHLB-SF member lender. The 2026 program has $11 million available first-come, first-served (first $8M round exhausted; $3M second round later in 2026).
  • Up to $50,000 grant (no repayment).
  • Targets middle-income buyers (80.01-140% AMI).
  • Stackable with other programs.
  • Available statewide in NV via participating lenders.
  • Funding comes from FHLBank San Francisco voluntary contribution; 2026 program $11M (first $8M round exhausted; $3M second round later in 2026).

How much assistance does it provide?

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Nevada offers up to $50,000 in assistance.

  • Buyer contribution: Homebuyer must contribute a minimum of $10,000 (savings or gifted funds).
  • The program can be combined with Designed to complement local, state, and federal homeownership programs.
  • Amounts are the program's published maximums, not an offer — Federal Home Loan Bank of San Francisco (delivered via member financial institutions) determines any individual award.

Do you have to pay it back?

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Nevada is structured as a grant, so it is not repaid.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Nevada is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: HUD first-time homebuyer definition (no principal residence owned in past 3 years)
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through HUD-approved homebuyer counseling program (provider not specified)
  • Residency: Property must be in Arizona, California, or Nevada
  • DRAFT (dpa-gap-finder 2026-06-13): pending admin review. Apply through a currently participating FHLB-SF member lender (not directly from FHLB-SF). The $8M first round for 2026 is exhausted; $3M second round expected later in 2026. Distinct from the existing generic WISH catalog row — MDPA targets 80.01-140% AMI with up to $50,000 and no retention period. UNCONFIRMED: NV-specific participating lender list; min credit score; max purchase price.

The program excludes

  • Households above 140% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Nevada limits household income to 140% of the area median income, which varies by county and household size.

  • Household 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.
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Nevada can be used for Single Family, Condo, 2-4 Unit, and Manufactured.

  • New construction is eligible.
  • Manufactured homes are eligible.

Where does it apply?

FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Nevada serves buyers purchasing anywhere in Nevada.

How do you apply?

Applications for FHLBank San Francisco Middle-Income Downpayment Assistance (MDPA) Program — Nevada go through Federal Home Loan Bank of San Francisco (delivered via member financial institutions), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through HUD-approved homebuyer counseling program (provider not specified).

  2. Contact Federal Home Loan Bank of San Francisco (delivered via member financial institutions) to reserve funds

    Funds are reserved through First-come, first-served via FHLB-SF member financial institution, and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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