Home At Last

What is Home At Last?

Home At Last is a grant for homebuyers in Multiple, Nevada.

• NRHA 5% non-repayable grant paired with 30-year fixed first mortgage. NO FTHB requirement. 640/680 FICO. 50% DTI. $165K income cap (HFA Conventional). Available throughout rural Nevada (excludes Clark/Washoe MSA city limits).
• Home At Last is the Nevada Rural Housing Authority's (NRHA) flagship down payment assistance program. Eligible homebuyers in Nevada's rural and small-urban counties receive a 5% non-repayable grant (NOT a forgivable second.
• truly non-repayable from day one) of the first-mortgage amount. The grant may be used for down payment, closing costs, and prepaid escrows. The DPA is paired with a 30-year fixed first mortgage (FHA, VA, USDA Rural Development, or Fannie/Freddie HFA conventional) at a slightly higher rate to fund the grant. NO FIRST-TIME HOMEBUYER REQUIREMENT - repeat buyers and previous homeowners eligible. Available statewide EXCEPT inside city limits of incorporated communities within the Las Vegas-Henderson-Paradise MSA (Clark County) and the Reno-Sparks MSA (Washoe County).
• unincorporated portions of Clark and Washoe counties remain eligible.
• Funding comes from State and Bond.

How much assistance does it provide?

Home At Last provides assistance worth 5% of the purchase price, as set by the program.

• Buyer contribution: No fixed borrower minimum contribution; per first-mortgage product overlays (3.5% FHA, 0% VA/USDA, 3% conventional). Grant covers DPA + closing.
• Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

Home At Last is structured as a grant, so it is not repaid.

• Repayment is triggered by Non-repayable grant and no repayment required regardless of owner-occupancy duration. Borrower may sell, refinance, or move at any time without recapture.
• The assistance is recorded in Grant position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Home At Last is open to buyers who will live in the home as their primary residence.

What are the income limits?

Home At Last limits household income to $165,000.

• 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?

Home At Last caps the purchase price as follows: No NRHA-imposed purchase-price cap on HFA Conventional; FHA/VA/USDA county loan limits apply (typically $524,225-$546,250 in rural NV).

• Eligible property types include Single-family detached, condominium, townhouse, PUD and manufactured home on permanent foundation per servicer overlays.
• New construction is eligible.
• Manufactured homes are eligible.

Is there eligibility for specific groups?

Home At Last names veterans, active-duty service members, reservists and National Guard members, and surviving spouses among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Home At Last serves buyers purchasing in Multiple, Nevada.

• The program targets specific areas: Rural Nevada counties + unincorporated Clark and Washoe county areas. Excludes city limits of Las Vegas-Henderson-Paradise MSA and Reno-Sparks MSA.

How do you apply?

Applications for Home At Last go through the administering agency, which publishes the current terms and the application steps on its own site.

1. 1

   Contact the administering agency to reserve funds

   Funds are reserved through Reserved by approved participating lender via NRHA Lender Online portal at time of rate lock., and are subject to availability.

2. 2

   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.