Down-payment assistance
Truckee Meadows Habitat for Humanity Homeownership Program
New construction · Income limits · Single Family
Down payment assistance · Washoe County
Buying a home in Sparks, NV
1 Sparks program and 15 statewide.Sparks has 1 program of its own, and 15 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Sparks addresses
Sparks’s own program
The Sparks marketThe Sparks housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Sparks
- 62.4% single-familysingle-family
- 4.9% townhousetownhouse
- 7.6% 2–4 units2–4 units
- 23.7% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
About condos. Sparks’s one local program does not list condos as eligible. Truckee Meadows Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Sparks’s homes were built
pre-19401970s2020+
33.8%
of Sparks homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$116,800
County area median income, 4 people (HUD)HUD area median income, Washoe County, 4-person household (2026)
$89,056
Sparks median household incomeMedian household income in Sparks (Census, 2024)
14 of the 78 programs here set their income limit as a share of Washoe County’s area median income, adjusted for household size. See the published limits for Washoe County
Free help nearbyFree help near Sparks
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Sparks’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Truckee Meadows Habitat for Humanity Homeownership Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Nevada and nationwide
77 statewide & federal programs15 statewide programs, plus federal options
Sparks questions
Does Sparks have its own down payment program?
Yes, one: Truckee Meadows Habitat for Humanity Homeownership Program, a down-payment assistance (new construction, income limits). It is for homes inside Sparks.
Can I use assistance on a condo in Sparks?
Sparks’s one local program does not list condos as eligible. Truckee Meadows Habitat for Humanity Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Washoe County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Washoe County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Sparks?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Sparks. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
89431 · 89432 · 89434 · 89435 · 89436 · 89494
Nearby in Washoe
Sources
Sources: agency sites (July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.