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Achieve homeownership with zero down payment in eligible Nevada rural and suburban areas. USDA loans offer competitive rates, flexible credit requirements, and affordable mortgage insurance for qualifying homebuyers.
USDA loans provide an affordable path to homeownership for families in rural and suburban Nevada communities with zero down payment requirements.
Purchase a home with 100% financing. No down payment required, making homeownership accessible without years of saving.
USDA guarantee fees are typically lower than FHA or conventional PMI, reducing your monthly payment and overall loan costs.
USDA accepts credit scores as low as 640, with manual underwriting available for borrowers without traditional credit history.
USDA loans often feature below-market interest rates, saving thousands over the life of your loan compared to conventional financing.
USDA allows sellers to contribute up to 6% toward closing costs and prepaids, further reducing your out-of-pocket expenses at closing.
Lock in stable, predictable payments for three decades with fixed-rate USDA loans. Budget with confidence knowing your rate won't change.
Understanding USDA eligibility requirements is the first step toward zero-down homeownership in Nevada's rural and suburban communities.
Home must be in a USDA-eligible rural or suburban area. Many Nevada communities qualify, including areas near Reno, Elko, Pahrump, Mesquite, and Fallon.
Check Nevada Property EligibilityHousehold income cannot exceed 115% of area median income. For most Nevada counties: $110,000-$135,000 for families of 1-4 members.
*2026 Nevada limits. Varies by county.
Minimum 640 credit score for automated underwriting approval. Manual underwriting available for scores below 640 with compensating factors.
USDA loans are for owner-occupied primary residences only. Investment properties and second homes are not eligible for USDA financing.
Maximum DTI of 41% preferred. Higher ratios may be acceptable with strong compensating factors like high credit scores or cash reserves.
Las Vegas, Henderson, North Las Vegas, Reno, Sparks, and Carson City are generally NOT eligible for USDA loans due to population density. Check specific addresses with our USDA specialists.
Our USDA loan specialists will verify your property address and guide you through the entire process from pre-approval to closing.
Compare USDA loans with FHA, VA, and conventional financing to find the best mortgage option for your Nevada home purchase.
| Feature | USDA | FHA | VA | Conventional |
|---|---|---|---|---|
| Down Payment | 0% | 3.5% | 0% | 3%-20% |
| Credit Score | 640+ | 580+ | 620+ | 620+ |
| Property Location | Rural/suburban only | Any location | Any location | Any location |
| Income Limits | Yes (115% AMI) | No | No | No |
| Upfront Fee | 1% guarantee fee | 1.75% MIP | 2.15% funding fee | None |
| Monthly MI | 0.35% annual | 0.55%-0.85% | None | 0.25%-1.5% (if <20%) |
Not sure which loan program is right for you? Our mortgage specialists will compare all your options and recommend the best fit for your situation.
Get Personalized Loan RecommendationCommon questions about USDA rural development loans in Nevada answered by our mortgage experts.
Our USDA loan specialists are here to help. Get personalized answers and expert guidance for your Nevada rural home purchase.
Nevada's trusted conventional mortgage lender serving Las Vegas, Henderson, Reno and all of Nevada with competitive rates and expert guidance.
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Valley West Mortgage - NMLS #65506
Nevada Mortgage Lender License
Licensed to conduct business in Nevada
NMLS Consumer Access: www.nmlsconsumeraccess.org
We are an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. This company does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or handicap.
This is not a commitment to lend. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Additional restrictions may apply. Property insurance required. Flood insurance may be required. This website is for informational purposes only and does not constitute financial advice. Consult with a licensed loan officer for personalized guidance.