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.

High-Value Loans

Conventional & Jumbo Loan Limits in Nevada

Need a loan above FHA limits? Here's what you need to know about conventional conforming and jumbo loans in Nevada for 2025.

2025 Nevada Loan Limits

FHA (Most Counties)

Clark, Washoe, most areas

$498,257

Conventional Conforming

Fannie/Freddie max

$806,500

Jumbo Loans

Above conforming limit

$806,500+

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Conventional vs Jumbo vs FHA

Understanding which loan type fits your purchase price and financial profile.

FHA Loans

Conventional

Up to $806,500 (conforming limit)

3% down (first-time buyers) or 5%+

Requires 620+ credit typically

PMI can be removed at 80% LTV

Conventional Details

Jumbo Loans

Above $806,500 (non-conforming)

10–20% down typically required

680+ credit score, low DTI

For high-value Nevada properties

Jumbo Details

Nevada Counties: Which Loan Type?

Your location affects which loan limits apply.

County	FHA Limit	Conventional	When You Need Jumbo
Clark (Las Vegas, Henderson)	$498,257	$806,500	Above $806,500
Washoe (Reno, Sparks)	$498,257	$806,500	Above $806,500
Carson City	$498,257	$806,500	Above $806,500
Rural Counties	$498,257	$806,500	Above $806,500

Note: Nevada has no high-cost counties for 2025. All counties share the standard conforming and FHA limits. Lake Tahoe properties may require jumbo financing due to property values.

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