The Culinary & Bartenders Housing Partnership Down Payment Assistance program

What is The Culinary & Bartenders Housing Partnership Down Payment Assistance program?

The Culinary & Bartenders Housing Partnership Down Payment Assistance program is a deferred second loan for homebuyers in Las Vegas, Nevada.

• 0% deferred soft-second DPA up to $20,000 with 5-year forgiveness for Culinary Local 226 / Bartenders Local 165 union members buying in Clark County. 640 FICO, 45% DTI, FTHB required, $1,000 borrower contribution.
• The Culinary & Bartenders Housing Partnership Down Payment Assistance program is administered by Nevada Partners, Inc. (NPI) in partnership with Culinary Workers Union Local 226 and Bartenders Union Local 165. Eligible union-member homebuyers in Clark County receive up to $20,000 in down-payment / closing-cost assistance as a 0% deferred soft second mortgage with no monthly payments. The subordinate lien is forgiven over 5 years of continuous owner-occupancy (1/60th per month) or due in full upon sale, refinance, transfer of title, or non-owner-occupancy within the retention period. Must be paired with a first mortgage from a participating lender. Funds may be used for down payment, closing costs, and prepaid escrows.
• Funding comes from Local and Other.

Do you have to pay it back?

The Culinary & Bartenders Housing Partnership Down Payment Assistance program is forgiven after 5 years, so a buyer who stays that long does not repay it.

• Repayment is triggered by Forgiven 1/60th per month over 5 years of continuous owner-occupancy. Full unforgiven balance due upon sale, refinance with cash-out, transfer of title, or non-owner-occupancy within the 5-year retention period.
• The assistance is recorded in 2nd Lien position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

The Culinary & Bartenders Housing Partnership Down Payment Assistance program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

The Culinary & Bartenders Housing Partnership Down Payment Assistance program limits household income to $100,550.

• 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?

The Culinary & Bartenders Housing Partnership Down Payment Assistance program caps the purchase price as follows: Generally limited to FHA county loan limit for Clark County (~$524,225 in 2025) when paired with FHA first mortgage; conventional follows agency conforming limits.

• Eligible property types include Single-family detached, condominium, townhouse, PUD, 2-4 unit (per first-mortgage product overlays) and manufactured home on permanent foundation.
• New construction is eligible.
• Manufactured homes are eligible.

Is there eligibility for specific groups?

The Culinary & Bartenders Housing Partnership Down Payment Assistance program names veterans 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?

The Culinary & Bartenders Housing Partnership Down Payment Assistance program serves buyers purchasing in Las Vegas, Nevada.

How do you apply?

Applications for The Culinary & Bartenders Housing Partnership Down Payment Assistance program go through the administering agency, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Nevada Partners, Inc. HUD-approved homebuyer education and 1:1 housing counseling (required). Framework Homeownership and eHome America also accepted..

2. 2

   Contact the administering agency to reserve funds

   Funds are reserved through Borrower applies through Nevada Partners housing counseling intake; reservation issued upon program eligibility and union-membership verification. Funds disbursed at closing through participating lender., and are subject to availability.

3. 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.