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.

The Culinary & Bartenders Housing Partnership Down Payment Assistance program is forgiven after 5 years, so a homebuyer 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.

The Culinary & Bartenders Housing Partnership Down Payment Assistance program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: Federally targeted census tracts may waive the FTHB requirement on a case-by-case basis (subject to NPI program review). On credit, the program states: 640 minimum mid-FICO across all loan products. A homebuyer education course is required, through Nevada Partners, Inc. HUD-approved homebuyer education and 1:1 housing counseling (required). Framework Homeownership and eHome America also accepted. Residency requirement: Property must be located in Clark County, Nevada (Las Vegas, North Las Vegas, Henderson, Boulder City, or unincorporated Clark County) and serve as borrower's principal residence. Citizenship or immigration status: U.S. citizen, permanent resident alien, or qualifying non-permanent resident alien per first-mortgage product overlays. RESTRICTED TO MEMBERS IN GOOD STANDING OF CULINARY WORKERS UNION LOCAL 226 OR BARTENDERS UNION LOCAL 165 (and certain Culinary Health Fund participants). Hospitality / casino / food-service industry workers only. Must be a first-time homebuyer (no principal residence in prior 3 years). Income limits by household size 80% AMI Clark County: $51,700 (1p) to $100,550 (8p) per HUD 2025 limits. 640 minimum mid-FICO. 45% maximum DTI. $1,000 minimum borrower contribution from own funds. NPI HUD-approved homebuyer education + 1:1 counseling required. Property must be in Clark County (Las Vegas / North Las Vegas / Henderson / Boulder City).

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.

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.

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.

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

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