Benefit Summary: 

Home at Last™ Access provides a down payment grant equal to 4% of the loan amount



(775) 887-1796(775) 887-1796

Home at Last™ Access Program

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 4% of loan amount (never has to be repaid)
  • Competitive 30-year fixed mortgage rate - Click here to view today's rate
  • 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: $95,500
  • Home as primary residence
  • Buyer must complete homebuyer education (choose online or in person via buttons to the right) 
  • 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 $400,000

Getting started:

If you think you qualify for Home at Last™ Access, contact an approved lender to begin your loan process.

If you are a first-time homebuyer, ask your lender about bundling opportunities with the Home At Last™ Mortgage Credit Certificate (MCC) program or Home At Last™ WISH. You may be able to save even more!

Request More Information

By clicking Request Info, you give Nevada Rural Housing Authority the permission to contact you via the provided information.