Clark County, NV First-Time Home Buyer Programs and Down Payment Help
Clark County buyers can apply to 2 local down payment programs, with help up to 4% through Home is Possible Program (First-Time Homebuyer Down Payment Assistance), on top of Nevada's statewide programs. Figures below were read from the administering agencies' own pages on September 11, 2026.
Local programs in Clark County
These are run by State of Nevada (statewide, all of Clark County), Clark County, separate from the state housing finance agency, and can usually be combined with a state loan. Check the program page for current funding before you apply.
| Program | Type | Amount | Income limit | First-time only | Where |
|---|---|---|---|---|---|
| Home is Possible Program (First-Time Homebuyer Down Payment Assistance) State of Nevada (statewide, all of Clark County) (Nevada Housing Division (NHD), "Home is Possible" (HIP) program) · source | second mortgage / down payment assistance grant used with a HIP first mortgage | Up to 4% of the loan amount toward down payment or closing costs | Clark County: maximum household income $105,500 (2 or fewer people) or $121,325 (3 or more people), effective as of June 15, 2026; | Yes | Clark County; |
| HOME Investment Partnerships Program (HOME) Confirm with agency Clark County (Clark County Community Housing Office (funded by HUD HOME Investment Partnerships Program)) · source | federal block grant program (funds affordable housing developers/projects; also supports down payment assistance activities in some funding cycles) | Varies by funding cycle; not a fixed per-buyer dollar amount published on the County's HOME program page | Set by HUD HOME income limits for Clark County | Check | Clark County |
- Home is Possible Program (First-Time Homebuyer Down Payment Assistance). Distinct from NHD's broader 'Home Is Possible' product (no first-time-buyer requirement, income up to $165,000, price up to $832,750) which is a different, non-HUD-restricted DPA option; the figures here are for the HUD-compliant first-time-buyer program.
- HOME Investment Partnerships Program (HOME). Status: verify - program structure is primarily for developers/non-profits, not a direct-to-consumer down payment grant as documented on the County's page Clark County's own HOME program page (as fetched) describes funding for affordable housing developers and partner non-profits (e.g., a recent BLM-site affordable housing project) rather than a direct individual-homebuyer down payment grant;
Income limits in Clark County
Down payment programs here are keyed to HUD's income limits for Las Vegas-Henderson-North Las Vegas, NV MSA (Clark County) (fiscal year 2026): the area median family income is $98,200 and the 80% limit that most programs use is $84,400 for a four-person household. Limits scale with household size; each program page has the full table. HUD income limits
Nevada statewide programs you can also use in Clark County
Nevada Housing Division, Home Is Possible (HIP) (homebuyer programs page) runs 4 statewide programs open to buyers anywhere in Nevada, with down payment help up to 5% of the price (about $23,445 on a median-priced home) through Home Is Possible (HIP). Most local programs above can be combined with a state first mortgage; check each program's pairing rule.
| Program | Type | Amount | First-time only | Min. credit | Income limit |
|---|---|---|---|---|---|
| Home Is Possible (HIP) For First-Time Homebuyers source | Deferred second loan | Down payment assistance up to 4% of the total loan amount | Yes | 640 | $102,800 to $175,050 depending on county and household size (2-or-fewer vs. |
| Home Is Possible (HIP) source | Second mortgage | Up to 5% of the loan value for down payment or closing costs | No | n/a | See program page |
| Worker Advantage source | Deferred second loan | $20,000 in down payment assistance | No | 640 | $101,550 to $175,200 depending on county (150% AMI) |
| Home Is Possible (HIP) For Teachers source | Forgivable second loan | $7,500 usable for down payment and closing costs | No | 640 | Qualifying income up to $165,000 |
Clark County closing costs that differ from the rest of Nevada
Transfer tax: Nevada Real Property Transfer Tax: base state rate of $1.95 per $500 of value (or portion thereof) above $100, PLUS Clark County's additional local rate of $0.60 per $500, for a combined Clark County rate of $2.55 per $500 of consideration (about 0.51%). Example from the state's own FAQ: a $100,500 property in Clark County owes $514.50 total. Both the buyer (grantee) and seller (grantor) are jointly and individually liable for the tax under state law, though local custom in the Las Vegas market often has the tax split or paid by one party per the purchase contract. Source
Owner's title policy: negotiable/varies by contract (no single statewide customary norm as rigid as some other states; confirm with escrow/title company)
CORRECTION TO PRIOR ASSUMPTION: the combined Clark County real property transfer tax rate is $2.55 per $500 (base $1.95 + county's added $0.60), NOT $5.10 per $500, confirmed directly from the Nevada Department of Taxation's official Real Property Transfer Tax FAQ page, which walks through the Clark County calculation explicitly. see the Recorder's office page for the current schedule.
Frequently asked questions
What down payment assistance is available in Clark County, NV?
Home is Possible Program (First-Time Homebuyer Down Payment Assistance) (State of Nevada (statewide, all of Clark County), up to 4%); HOME Investment Partnerships Program (HOME) (Clark County). Nevada statewide programs can be used here too.
What is the income limit for first-time buyer programs in Clark County?
Most programs cap income at 80% of HUD's area median, which is $84,400 for a four-person household in Las Vegas-Henderson-North Las Vegas, NV MSA (Clark County) (FY2026). Some programs allow up to 120% or 150% of median; each program page lists its own table by household size.
Is there a transfer tax in Clark County?
Nevada Real Property Transfer Tax: base state rate of $1.95 per $500 of value (or portion thereof) above $100, PLUS Clark County's additional local rate of $0.60 per $500, for a combined Clark County rate of $2.55 per $500 of consideration (about 0.51%). Example from the state's own FAQ: a $100,500 property in Clark County owes $514.50 total. Both the buyer (grantee) and seller (grantor) are jointly and individually liable for the tax under state law, though local custom in the Las Vegas market often has the tax split or paid by one party per the purchase contract.
What is the median home price in Clark County?
About $431,000, per U.S. Census Bureau QuickFacts: Clark County, Nevada - Median value of owner-occupied housing units, 2020-2024 (ACS 5-Year). Down payment help of up to 4% covers roughly 4% of that price.
Official sources
- State of Nevada (statewide, all of Clark County): Home is Possible Program (First-Time Homebuyer Down Payment Assistance)
- Clark County: HOME Investment Partnerships Program (HOME)
- HUD income limits
- Clark County transfer tax
- Clark County recording fees
- U.S. Census Bureau QuickFacts: Clark County, Nevada - Median value of owner-occupied housing units, 2020-2024 (ACS 5-Year)
- Home Is Possible - Nevada Housing Division
Clark County figures last verified against official sources on September 11, 2026.
This is general information, not financial advice. Program funding, limits and terms change; confirm the current rules with the administering agency and your lender before you rely on them.
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