Down Payment Assistance

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Down Payment Assistance

Amount of the Down Payment Assistance a maximum of $10,000.

Eligible closing costs may be included in this amount, they may include loan origination fees, appraisal, credit report, title search, escrow fees, document preparation, reserves, and inspection costs. Prepaid items such as insurance premiums and yearly taxes are not eligible.


  • The maximum deferred loan amount is $10,000.
  • The loan is secured by an interest free loan agreement, promissory note and a Deed of Trust to the benefit of the State of Nevada Housing Division.
  • The deferred loan bears no interest.
  • The deferred loan is forgiven after the period of affordability.
  • Eligible applicants must carry hazard insurance and flood insurance where applicable to adequately cover all existing loans or mortgages on the property, including the deferred loan for the duration of the loan. RNDC must be listed on the policy as an additional loss payee.
  • Applicants acknowledge the approval of the DPA program is contingent upon the applicant applying and receiving pre-approval from a financial lending institution mortgage loan.
  • The home must meet HUD Housing Quality Standards (HQS).
    Sale of a home that causes displacement are not eligible.
  • Maximum purchase price must not exceed HOME and Housing Trust Fund mortgage limit for that area.
  • Transaction must go through a Title Company.
  • Homes built prior to 1978 must be inspected for lead based paint.
Eligible Counties:

  • Carson
  • Churchill
  • Douglas
  • Elko
  • Esmeralda
  • Eureka
  • Humboldt
  • Lander
  • Lincoln
  • Lyon
  • Mineral
  • Nye
  • Pershing
  • Storey
  • White Pine

Funds are deferred loans, there is no payment required and no interest accrual provided the home remains their primary residence. Upon sale / transfer of title, the full amount is due and payable during period of affordability.

Please contact Doreen Venturino, Housing Programs Manager or Angel Miller, Administrative Clerk with any questions regarding our Down Payment Assistance program.

DPA Application (pdf)