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Habitat for Humanity Las Vegas Homeownership Program

Habitat for Humanity Las Vegas, Inc. · Las Vegas, Nevada

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See what you qualify forOfficial program site →
Income limit

80% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity Las Vegas Homeownership Program?

Habitat for Humanity Las Vegas Homeownership Program is down payment assistance for homebuyers in Las Vegas, Nevada, administered by Habitat for Humanity Las Vegas, Inc.

  • Habitat for Humanity Las Vegas sells newly built homes at no profit to qualified low-to-moderate income families (30%-80% AMI) in Clark County with a 0% interest mortgage. Partner families complete 300 hours of sweat equity per applicant before moving in. This is an affordable below-market, sweat-equity homeownership program rather than a cash DPA grant.
  • Newly built home sold at no profit.
  • 0% interest mortgage.
  • Affordable stable monthly payments.
  • Homeownership & financial literacy education (Dave Ramsey FPU).
  • Funding comes from Habitat for Humanity Las Vegas (donations, sponsorships, ReStore proceeds); homes sold at no profit with 0% interest mortgage.

Do you have to pay it back?

Habitat for Humanity Las Vegas Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity Las Vegas, Inc..

  • Repayment is triggered by Monthly mortgage payments to Habitat (0% interest); standard owner-occupancy mortgage obligation.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat for Humanity Las Vegas Homeownership Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: No minimum credit score required. Habitat checks credit but does not evaluate score; reviews debts, collections, judgments/liens, and recent bankruptcies/foreclosures. May apply 2 years after discharge.
  • A completed homebuyer education course, through Habitat for Humanity Las Vegas homeownership and financial literacy classes, including Dave Ramsey's Financial Peace University
  • Residency: Clark County resident for the past 24 months or longer; must not have owned a home in the past two years
  • Citizenship or immigration status: All family members must be U.S. Citizens or Legal Permanent Residents
  • 300 total sweat-equity hours per applicant before move-in (150 mandatory construction, 100 donatable/ReStore, 50 financial-literacy classes incl. Financial Peace University); at least 25 hours/month. Must demonstrate housing need; able to pay ~$5,000 closing costs + first-year insurance at closing. Married couples apply together.

The program excludes

  • Manufactured homes
  • Households above 80% 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?

Habitat for Humanity Las Vegas Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • Household 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.
  • The limit applies to total household income, not only the borrower’s.
  • The program lists a maximum household size of 8.
  • 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?

Habitat for Humanity Las Vegas Homeownership Program can be used for Single Family and 2-4 Unit.

  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Habitat for Humanity Las Vegas Homeownership Program serves buyers purchasing in Las Vegas, Nevada.

How do you apply?

Applications for Habitat for Humanity Las Vegas Homeownership Program go through Habitat for Humanity Las Vegas, Inc., which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Habitat for Humanity Las Vegas homeownership and financial literacy classes, including Dave Ramsey's Financial Peace University.

  2. Contact Habitat for Humanity Las Vegas, Inc. to reserve funds

    Funds are reserved with the provider 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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