Home at Last™ Access is Nevada Rural Housing Authority’s most inclusive home financing program to date. Access offers down payment assistance and a competitive mortgage rate, and is available to all homebuyers who will use the home as their primary residence.
Program at-a-glance:
- Free cash down payment grant equal to 5% of loan amount (never has to be repaid)
- Competitive 30-year fixed mortgage rate (ask your lender as rates are subject to change)
- Instant home equity (subject to coverage of closing costs)
- No asset limits for homebuyers
Who qualifies:
- Buyer must have 640 minimum credit score and meet normal FHA, VA or RHS underwriting requirements (Minimum of 660 credit score on manufactured housing)
- Maximum income limit: $97,500
- Home as primary residence
- Buyer must complete homebuyer education
- Home purchase is in rural Nevada (includes entire state of Nevada excluding Las Vegas/surrounding areas and Reno)
- Home falls below maximum purchase price of $350,000
Eligible areas in Clark County:
- Arden
- Blue Diamond
- Boulder City
- Bunkerville
- Cactus Springs
- Cal-Nev-Air
- Cottonwood Cove
- Enterprise
- Fort Mojave
- Glendale
- Goodsprings
- Indian Springs
- Jean
- Laughlin
- Logandale
- Mesquite
- Moapa Town/Valley
- Mount Charleston
- Mountain Springs
- Mountain’s Edge
- Nelson
- Overton
- Primm
- Sandy Valley
- Searchlight
- Sloan
- Summerlin South
- Winchester
Maps of Eligible Areas: