Edited and reviewed by CEO Vatche Saatdjian — 30+ years of experience — Expert on FHA loans
2025 FHA loan limits in Nevada just increased. Clark County (Las Vegas) is now $498,257 and Washoe County (Reno) is $571,950 for single-family homes—with just 3.5% down.
Nevada FHA loan limits for 2025: Clark County (Las Vegas, Henderson, North Las Vegas) is $498,257 for 1-unit properties. Washoe County (Reno, Sparks) has a higher limit of $571,950. All other Nevada counties use the baseline $498,257 limit.
The Federal Housing Administration sets maximum loan amounts for FHA-insured mortgages based on county median home prices. For 2025, Nevada has two distinct FHA limit tiers:
All other Nevada counties use the national baseline limit:
FHA loan limits increase for multi-unit properties (duplexes, triplexes, fourplexes). If you're buying a 2-4 unit property as your primary residence, you can access higher loan amounts:
| Property Type | Clark County | Washoe County | Other Counties |
|---|---|---|---|
| 1-Unit (Single Family) | $498,257 | $571,950 | $498,257 |
| 2-Unit (Duplex) | $638,100 | $732,050 | $637,950 |
| 3-Unit (Triplex) | $771,450 | $884,700 | $771,125 |
| 4-Unit (Fourplex) | $958,350 | $1,099,450 | $958,350 |
You can use FHA financing for a 2-4 unit property and live in one unit while renting out the others. Rental income from the other units can help qualify you for the loan—a popular "house hacking" strategy for Nevada first-time investors.
FHA requires a minimum 3.5% down payment with 580+ credit or 10% down with 500-579 credit. Here's what you'll need for typical Nevada home prices:
Your entire 3.5% down payment can come from gift funds (family, friends, employer, charity). The donor signs a gift letter confirming funds are a gift, not a loan. This is one of FHA's biggest advantages over conventional loans.
All FHA loans require two types of mortgage insurance to protect lenders:
1.75% of loan amount, typically rolled into your loan (you don't pay cash at closing). On a $400,000 loan, that's $7,000 added to your loan balance.
0.55% annually for loans with 3.5% down, divided into monthly payments. On a $400,000 loan, that's $2,200/year or $183/month.
Our Nevada FHA specialists answer your questions in under 5 minutes. No obligation—just fast, accurate answers about loan limits, qualifications, and your buying power.
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Compare Loan TypesClark County FHA loans up to $498,257. Local Las Vegas mortgage experts serving Henderson, North Las Vegas, and all of Clark County.
Las Vegas OfficeFHA loan limits are based on 115% of median home prices in each county. Clark and Washoe Counties were designated "high-cost areas" due to housing market data showing median prices significantly above the national baseline.
Nevada's largest county by population (2.3M residents). Las Vegas, Henderson, and North Las Vegas metro area drives demand and home prices.
Northern Nevada's economic center (475K residents). Reno-Sparks area experiencing rapid tech sector growth and California migration.
If the home you want costs more than the FHA limit in your county, you have several options:
Conventional conforming loans have higher limits than FHA ($766,550 in Clark/Washoe, $498,257 elsewhere) but require 3-5% down and 620+ credit. Good for buyers who don't need FHA's low down payment flexibility.
Jumbo loans have no maximum limit but require stricter qualifications: 10-20% down, 700+ credit score, lower debt-to-income ratios, and larger cash reserves (6-12 months payments). Rates typically 0.25-0.50% higher than conforming.
Learn about Nevada jumbo loansIf you want an FHA loan and your home costs $700,000 in Clark County, you could use FHA for $498,257 and make a larger down payment to cover the difference. Example: 3.5% down on $498,257 = $17,439, plus $201,743 gap = $219,182 total down (31.3% down on $700k).
Our Nevada mortgage experts will analyze your financial profile and recommend the best loan program—whether FHA, conventional, jumbo, or VA—to maximize your buying power.