Access Program!

Home at Last™ Access is Nevada Rural Housing Authority’s most inclusive home financing program to date. Access offers down payment assistance and a competitive mortgage rate, and is available to all homebuyers who will use the home as their primary residence.

Program at-a-glance:

  • Free cash down payment grant equal to 5% of loan amount (never has to be repaid)
  • Competitive 30-year fixed mortgage rate (ask your lender as rates are subject to change)
  • Instant home equity (subject to coverage of closing costs)
  • No asset limits for homebuyers

Who qualifies:

  • Buyer must have 640 minimum credit score and meet normal FHA, VA or RHS underwriting requirements (Minimum of 660 credit score on manufactured housing)
  • Maximum income limit: $97,500
  • Home as primary residence
  • Buyer must complete homebuyer education 
  • Home purchase is in rural Nevada (includes entire state of Nevada excluding Las Vegas/surrounding areas and Reno)
  • Home falls below maximum purchase price of $350,000

Eligible areas in Clark County:     

  • Arden
  • ​Blue Diamond
  • Boulder City
  • Bunkerville
  • Cactus Springs
  • Cal-Nev-Air
  • Cottonwood Cove
  • Enterprise
  • Fort Mojave
  • Glendale
  • Goodsprings
  • Indian Springs
  • Jean
  • Laughlin
  • Logandale
  • Mesquite
  • Moapa Town/Valley
  • Mount Charleston
  • Mountain Springs
  • Mountain’s Edge
  • Nelson
  • Overton
  • Primm
  • Sandy Valley
  • Searchlight
  • Sloan
  • Summerlin South
  • Winchester

Maps of Eligible Areas:

Enterprise (South)

Summerlin South

Whitney East Las Vegas

Winchester Central Vegas