What are the FHA loan requirements in Nevada for 2025?

Nevada FHA loan requirements for 2025 include: 580 minimum credit score for 3.5% down (or 500 credit score with 10% down), maximum 50% debt-to-income ratio, 3.5% minimum down payment, steady employment history (2+ years), primary residence occupancy, property must meet FHA appraisal standards, and loan amount within Nevada county limits ($498,257-$571,950 depending on county).

Can I buy a house in Las Vegas with bad credit using FHA?

Yes, FHA loans in Las Vegas accept credit scores as low as 580 (3.5% down) or 500 (10% down). Many Nevada lenders offer manual underwriting for borrowers with non-traditional credit. If your credit score is below 580, work on improving it for 6-12 months before applying, or consider down payment assistance programs that may help compensate for lower credit.

What is the maximum FHA loan amount in Nevada?

2025 FHA loan limits in Nevada vary by county: Clark County (Las Vegas, Henderson) - $498,257; Washoe County (Reno, Sparks) - $571,950; Carson City - $571,950. Rural Nevada counties range from $498,257 to $571,950. Multi-unit properties have higher limits (2-unit: up to $638,100-$732,050; 3-unit: up to $771,450-$884,700; 4-unit: up to $958,350-$1,099,450).

How much money do I need upfront for an FHA loan in Nevada?

Typical upfront costs for Nevada FHA loans: 3.5% down payment ($14,000 on $400K home), 1.75% upfront MIP ($7,000 on $400K - can be financed), 2-5% closing costs ($8,000-$20,000 - sellers can contribute up to 6%). Total cash needed: $15,000-$25,000 out of pocket, though down payment assistance programs can reduce this significantly. Gift funds from family can cover 100% of down payment.

Edited and reviewed by CEO Vatche Saatdjian — 30+ years of experience — Expert on FHA loans

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Nevada's trusted FHA loan specialists, dedicated to making homeownership accessible with honest guidance, competitive rates, and personalized service since 2004.

Our Mission

FHA Home Loans was founded in 2004 on a simple belief: every Nevada family deserves a fair shot at homeownership. As a division of Valley West Mortgage (NMLS #65506), we specialize exclusively in FHA lending — combining 30 years of Nevada market expertise with national lender resources to deliver mortgage solutions tailored to Las Vegas, Henderson, Reno, and communities across Nevada.

Whether you're a first-time buyer navigating FHA requirements, exploring down payment assistance programs, or looking for renovation financing with FHA 203(k) loans, we're here to guide you through every step with transparency, speed, and deep FHA expertise that national online lenders simply can't match.

We've helped 2,400+ Nevada families achieve homeownership with FHA loans — from young professionals buying their first Las Vegas condo to families upgrading to larger Henderson homes. Our local underwriting team, Nevada-specific knowledge, and FHA specialization means faster approvals, better guidance, and closing timelines that beat national competitors by 2-3 weeks.

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Direct access to FHA-certified Nevada loan officers who return calls within 2 hours and guide you through every step personally.

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