Northern Nevada Down Payment Assistance Programs
1 local down payment assistance program for homebuyers in Northern Nevada, checked against the official page.
Northern Nevada down payment assistance at a glance (2026)
| Program | Amount | Type | First-time buyer | Income limit | Price limit | Status |
|---|
| Kickstart Homeownership Program | $20,000 in down payment and closing cost assistance, plus 2% of the first mortgage for a permanent rate reduction | Not stated | Not required | HUD 80% AMI: Carson City $72,800; Douglas County $89,200; Lyon County $78,240; Storey County $93,440; Washoe County $93,440 (stricter agency limits apply if lower) | Not stated | Opens Nov. 16, 2026 (until funds run out) |
|---|
Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.
Local programs
Nevada Rural Housing (NRH)
- Amount
- $20,000 in down payment and closing cost assistance, plus 2% of the first mortgage for a permanent rate reduction
- First-time buyer
- Not required
- Status
- Opens Nov. 16, 2026 (until funds run out)
- Income limit
- HUD 80% AMI: Carson City $72,800; Douglas County $89,200; Lyon County $78,240; Storey County $93,440; Washoe County $93,440 (stricter agency limits apply if lower)
- Status note
- Nevada Rural Housing's Program Update 2026-05 (Nov. 10, 2026) says reservations open November 16, 2026 and the program runs until funds are fully used.
The home must be in Carson City or in Douglas, Lyon, Storey or Washoe County, but not inside Reno city limits. Funded by a Community Reinvestment Act grant from Eaglemark Savings Bank. Works with FHA, VA, USDA-RD and conventional (Fannie Mae and Freddie Mac) loans serviced by The Money Source (TMS), and may also be used to refinance. You may own other homes, but this one must be your primary residence within 60 days of closing. Single-family homes, condos, townhomes, 2-4 unit homes and manufactured homes qualify.
Last checked Nov 11, 2026 · Official source (opens in new tab) ↗
Statewide help in Nevada
You may also qualify for 1 statewide Nevada program. Local and state assistance can sometimes be layered; confirm with each administrator.
Check eligibility for Nevada How to apply
Compare these programs · AMI / income limits · All Nevada programs
HUD-approved homebuyer counselors in Nevada (8)
Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.
Common questions
Does Northern Nevada offer down payment assistance?
Yes. We list 1 local program checked against official pages: Kickstart Homeownership Program from Nevada Rural Housing (NRH) ($20,000 in down payment and closing cost assistance, plus 2% of the first mortgage for a permanent rate reduction).
Do I have to be a first-time homebuyer for Northern Nevada assistance?
The official pages state: Kickstart Homeownership Program: Not required.
What are the income limits for Northern Nevada down payment assistance?
Published on the official pages: Kickstart Homeownership Program: HUD 80% AMI: Carson City $72,800; Douglas County $89,200; Lyon County $78,240; Storey County $93,440; Washoe County $93,440 (stricter agency limits apply if lower). Confirm current limits with the administrator.
How does Kickstart Homeownership Program work?
The home must be in Carson City or in Douglas, Lyon, Storey or Washoe County, but not inside Reno city limits. Funded by a Community Reinvestment Act grant from Eaglemark Savings Bank. Works with FHA, VA, USDA-RD and conventional (Fannie Mae and Freddie Mac) loans serviced by The Money Source (TMS), and may also be used to refinance. You may own other homes, but this one must be your primary residence within 60 days of closing. Single-family homes, condos, townhomes, 2-4 unit homes and manufactured homes qualify.
What else should I know about the status of Kickstart Homeownership Program?
Nevada Rural Housing's Program Update 2026-05 (Nov. 10, 2026) says reservations open November 16, 2026 and the program runs until funds are fully used..
Can I combine Northern Nevada assistance with statewide Nevada programs?
Sometimes. Nevada also has 1 statewide program listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.
Free down payment aid updates
New, changed and closed down payment assistance programs, from official sources. Free. Unsubscribe anytime.