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.

Nevada Mortgage Document Checklist

Nevada Mortgage Documents — Your Complete Checklist

Whether you're buying in Las Vegas, Henderson, Reno, or anywhere in Nevada, having your documents ready speeds up approval. Our checklist covers FHA, VA, and Conventional loans for Nevada homebuyers.

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Quick Reference

All Loan Types 9 docs

ID, income, assets, employment

FHA Loans +2 docs

Gift letter, rental history

VA Loans +3 docs

COE, DD-214, service verification

Self-Employed +5 docs

Tax returns, P&L, business license

Pro tip: Digital copies (PDF, photos) are accepted

Special Situations

Additional documentation that may be required based on your circumstances

Situational Documents

Only if applicable to your situation

Divorce decree

Complete decree with property settlement

Child support order

Court order showing payment amounts

Bankruptcy discharge

Complete discharge papers with schedules

Green card / visa

Proof of legal residency status

Explanation letters

For gaps in employment, credit issues, etc.

Prior home sale docs

HUD-1 or closing disclosure from sale

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Nevada Mortgage Documents — Your Complete Checklist

Quick Reference

Required Documents (All Loan Types)

Identity & Personal Information

Income & Employment

Assets & Bank Statements

Property & Housing History

Loan-Specific Documents

FHA Loan Documents

VA Loan Documents

Conventional Loan Documents

Self-Employed Borrowers

Special Situations

Situational Documents

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