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Northern Nevada Kickstart DPA offers $20,000 from Nov. 16

Published · Homebuyer update · By the DPA Finder editorial team

Nevada Rural Housing's new Kickstart program gives $20,000 in down payment and closing cost help plus a 2% rate buydown, with no first-time buyer rule.

Nevada Rural Housing announced the Kickstart Homeownership Program in its Program Update 2026-05 on November 10, 2026. It provides $20,000 in down payment and closing cost assistance, plus 2% of the first mortgage loan amount to buy a permanent interest rate reduction. Reservations open November 16, 2026, and the program runs until funds are fully used.

There is no first-time homebuyer requirement, and you may own other homes at closing, but the home you buy must become your primary residence within 60 days. It works with FHA, VA, USDA-RD and conventional Fannie Mae and Freddie Mac loans serviced by The Money Source, and it can also be used to refinance. Single-family homes, condos, townhomes, 2-4 unit homes and manufactured homes are eligible.

The home must be in Carson City or in Douglas, Lyon, Storey or Washoe County, but not inside Reno city limits. Because it is funded by a Community Reinvestment Act grant from Eaglemark Savings Bank, household income is capped at HUD's 80% AMI limit: $72,800 in Carson City, $89,200 in Douglas County, $78,240 in Lyon County and $93,440 in Storey and Washoe counties.

To use it, work with a lender approved for Nevada Rural Housing programs with The Money Source as servicer. See the Kickstart program page, our Nevada page, and the no first-time buyer requirement list.

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