By Tyler Thompson · Licensed Real Estate Agent · Updated October 25, 2026
North Las Vegas Down Payment Assistance & Homebuyer Programs
See programs you qualify for
Get Matched Free →Sort the state, lender and federal down payment assistance open to North Las Vegas buyers against a $404,400 median, with no city purchase program to lean on.
Verified Oct. 2026
- Median home value
- $404,400
- Census ACS 2020-2024
- 3% down
- $12,132
- Before closing costs
- Closing costs
- $8k–$12k
- Planning estimate
- Assistance paths
- 4 programs
- Plus 6 mortgage options
Start with the program that matches the property
Start with the program that matches the property: on a $404,400 North Las Vegas home, Nevada's Home Is Possible pays as much as 5% of the loan, about $19,512 with FHA. First-time buyers under Clark County's $121,325 limit can take the 4% version instead, and WISH matches small savers 4-to-1.
STATE
Home Is Possible Down Payment Assistance
5% of the loan amount
A 0% second worth as much as 5% of the loan amount, open to past owners earning to $165,000, or about $19,512 on a median home.
FIRST-TIME
Home Is Possible for First-Time Homebuyers
4% of the loan amount
A 4% interest-free second for buyers with no home owned in three years and Clark County income under $121,325.
LENDER NETWORK
WISH Down Payment Matching Grant
Up to $32,837 (4-to-1 match)
Multiplies a first-time saver's deposit four times, up to $32,837, when a participating member bank enrolls the household.
Plan the cash
What buying in North Las Vegas costs
| Median home value | $404,400 |
|---|---|
| 3% down payment | $12,132 |
| Estimated closing costs | $8,000–$12,000 |
| Estimated cash before assistance | $20,132–$24,132 |
Estimate only, not a quote. About 2% to 3% of the $404,400 median: lender and title fees, Clark County recording, appraisal, and escrow for property tax and homeowners insurance.
Keep cash help separate
Down payment assistance in North Las Vegas
| Program | Maximum | Best fit | Repayment / limit |
|---|---|---|---|
| WISH Down Payment Matching Grant (FHLBank San Francisco) | Maximum:Up to $32,837 (4-to-1 match) | Best fit:Savers under 80% of AMI with a member bank | Repayment / limit:Grant with a retention period; Buyer savings matched 4-to-1 |
| Home Is Possible Down Payment Assistance (Nevada) | Maximum:5% of the loan amount | Best fit:Repeat or first-time buyers up to $165,000 | Repayment / limit:0% 30-year second, not forgiven |
| Home Is Possible for First-Time Homebuyers (Nevada) | Maximum:4% of the loan amount | Best fit:First-time buyers under Clark County limits | Repayment / limit:Due on sale or refinance, never forgiven |
| Home Is Possible for Teachers (Nevada) | Maximum:$7,500 | Best fit:Licensed full-time K-12 public school teachers | Repayment / limit:Forgiven over 5 years in the home; Available through Dec 31, 2026 |
Mortgage options that may pair with assistance
Make a decision
Find your best starting point
Past homeowner moving here
Use Home Is Possible
The 5% Home Is Possible loan has no first-time rule, so a buyer who sold elsewhere can still use it below $165,000 of income and an $832,750 price.
First-time buyer
Compare 4% with 5%
Buyers who haven't owned in three years can choose the 4% first-time second or the 5% general one; both are 0% loans repaid on sale, so ask which carries the better rate.
Nellis service member
Check VA entitlement first
A VA loan needs no down payment with full entitlement, so the cash question shrinks to closing costs and the VA funding fee unless exempt.
Public school teacher
Close before year end
Licensed full-time K-12 public school teachers can add a 7,500 dollar award, forgiven over five years, through December 31, 2026.
Property and geography checks
| Program | Where | Property / lender gate |
|---|---|---|
| Home Is Possible DPA | Where:Statewide, including North Las Vegas | Gate:Price up to $832,750 and income up to $165,000; credit 640, or 660 on a manufactured home |
| HIP for First-Time Homebuyers | Where:Statewide; Clark County income limits | Gate:No home owned in 3 years; income to $121,325 for 3+ people (June 2026); never forgiven |
| WISH | Where:Member banks in AZ, CA and NV | Gate:Household income no higher than 80% of AMI; counseling first; escrow within a year of enrolling |
| FHA in Clark County | Where:North Las Vegas and all of Clark County | Gate:One-unit FHA limit of $541,287; the home must pass FHA appraisal standards |
The fastest way to avoid a bad match
Check the address, property type and price cap before comparing assistance amounts.
A larger advertised benefit doesn’t help if the home or lender is outside that program’s rules.
We’ll fill in its city and state on the free eligibility check. A mailing address that says North Las Vegas isn’t always inside city limits, so confirm with the program before you make an offer.
See the math
Three realistic purchase examples
Illustrations only. Approval, availability and program combinations depend on current rules.
FHA buyer at the $404,400 median
| Price | $404,400 |
|---|---|
| Down payment | $14,154 |
| Closing costs | $10,000 |
| Home Is Possible DPA (5%) | −$19,512 |
| Estimated gap | $4,642 |
5% of a $390,246 FHA base loan for a buyer earning under $165,000 with a 640 score who completes the homebuyer course.
First-time buyer on a $340,000 house
| Price | $340,000 |
|---|---|
| Down payment | $11,900 |
| Closing costs | $8,500 |
| HIP for First-Time Homebuyers (4%) | −$13,124 |
| Estimated gap | $7,276 |
4% of a $328,100 FHA base loan; a family of three must earn $121,325 or less under Clark County's June 2026 limit.
Teacher buying a $375,000 home
| Price | $375,000 |
|---|---|
| Down payment | $11,250 |
| Closing costs | $9,000 |
| Home Is Possible for Teachers | −$7,500 |
| Estimated gap | $12,750 |
A licensed full-time K-12 public school teacher with 3% down on a conventional loan, closing by December 31, 2026.
How to apply in North Las Vegas
- 1
Complete the HIP homebuyer course
Nevada Housing Division, Home Is Possible
Every Home Is Possible option requires the homebuyer education course before closing, and WISH also requires counseling, so one completed course covers both.
HIP@housing.nv.gov; 800-227-4960 · homeispossiblenv.org
- 2
Choose a HIP-qualified lender
Nevada Housing Division participating lenders
Only participating lenders reserve Home Is Possible, the first-time 4% loan or the teacher award. Ask for the 5% and 4% options side by side, since the rate on the first mortgage differs.
- 3
Ask about WISH before escrow
FHLBank San Francisco member institutions
Members can request 2026 WISH funds through March 12, 2027 from a 13 million dollar pool. Enrollment comes first, and escrow must open within one year.
- 4
Watch the county land trust lottery
Clark County Welcome Home CLT
Clark County's land trust sells homes to first-time buyers who live or work in the county, earn under 80% or 100% of AMI, hold under 60,000 dollars in assets and bring 3% down.
- 5
Order a city flood zone letter
City of North Las Vegas
Before an offer, ask the city for a written flood zone determination on the parcel, 20 dollars each, or look it up on the Clark County Regional Flood Control District maps.
(702) 633-1000 · cityofnorthlasvegas.com
- 6
Military buyers: in-process at the MHO
Nellis AFB Military Housing Office
Service members assigned to Nellis in-process at the Military Housing Office for on- or off-base housing before signing anything.
Local details matter
Buying considerations in North Las Vegas
Flood insurance discounts
North Las Vegas is a Class 7 community in FEMA's Community Rating System, so flood policies get 15% off inside a Special Flood Hazard Area and 5% elsewhere.
Newer houses, lower tax bills
Census puts the median home's build year at 2003, 75.2% of units are detached houses, and the median tax bill is 1,854 dollars, about 0.46% of value.
No city purchase fund posted
The city's Housing and Neighborhood Services page lists plans and HUD notices but no homebuyer down payment program, so cash help comes from the state or lenders.
If local funding isn't available
The City of North Las Vegas does not currently advertise a city-funded down payment program on its Housing and Neighborhood Services page. Buyers can still investigate the state, lender, county land trust and federal routes below.
Nevada Housing Division
Home Is Possible lends 5% of the loan amount with no first-time rule, the first-time version 4%, and the teacher award 7,500 dollars, all through participating lenders after the homebuyer course.
FHLBank San Francisco WISH
WISH matches a first-time buyer's savings 4-to-1, up to 32,837 dollars, for households under HUD's 80% area median income line, through member banks and credit unions.
Clark County Welcome Home CLT
The county's community land trust sells homes to Clark County residents and workers who have not owned in five years, with a 640 score and at least 3% down.
York Avenue townhomes, planned
A July 2025 city notice describes 18 four-bedroom townhomes planned near June Avenue and MLK Boulevard with 850,000 dollars in HUD funds for first-time purchase assistance; no application is posted yet.
FHA, VA and 3% conventional loans
FHA covers homes up to the 541,287 dollar Clark County limit with 3.5% down, VA needs nothing down with full entitlement, and HomeReady or Home Possible take 3% down under 80% of AMI.
Frequently Asked Questions
Is there a City of North Las Vegas homebuyer grant?+−
What does a $404,400 North Las Vegas home cost upfront?+−
Does Home Is Possible have to be repaid?+−
Does North Las Vegas discount flood insurance?+−
Can Nellis Air Force Base members buy with no down payment?+−
Buying elsewhere in Nevada? Compare all Nevada home buyer programs →
Sources
Last verified October 25, 2026.
- U.S. Census Bureau: North Las Vegas city, Nevada profile (ACS 2020-2024)
- City of North Las Vegas: Housing & Neighborhood Services
- City of North Las Vegas: Homeowner Resources (flood zones)
- Nevada Housing Division: Home Is Possible
- Nevada Housing Division: HIP for First-Time Homebuyers
- Nevada Housing Division: HIP for Teachers (through Dec 31, 2026)
- Nevada Housing Division: Homebuyer FAQ and FHA limits
- FHLBank San Francisco: WISH Program
- Clark County: Welcome Home CLT requirements
- Military OneSource: Nellis AFB housing office
- HUD: Good Neighbor Next Door Program