• Apr 21, 2024
  • 8:39 AM


Home Buying Information

Home Purchase

Nevada Housing Division (NHD), a division of the Department for Business and Industry, was created by the Nevada Legislature in 1975 when it was recognized a shortage of safe decent, and sanitary housing existed throughout the State for persons and families of low- and moderate income. The Housing Division has been a leader in creating affordable housing opportunities.

Established by the State of Nevada in 2014, the Home Is Possible Down Payment Assistance Programs help homebuyers receive down payment and closing cost assistance of up to 5% of the home loan value. That is thousands of dollars for a one-time fee of just $755 (paid at closing). When you qualify, you can use the money for your down payment or closing costs. For additional information on the key benefits and program requirements visit www.homeispossiblenv.org.

Home is Possible, a Program for Heroes, designed specifically for veterans and military personnel provides more buying power and even more opportunities to experience the joys of homeownership–for less. If you’re a veteran who has been honorably discharged, are in the National Guard, are a surviving spouse or you’re on active military duty, Home Is Possible for Heroes was made specifically for you. For additional information on the key benefits and program requirement visit: www.homeispossiblenv.org.

The NHD has teamed with Freddie Mac to provide a robust free online homebuyer education course with worksheets that can be downloaded; along with video, audio and text-style learning along with interactive quizzes. The course covers credit requirement, budgeting and what to expect during the home buying process. This course can be completed at your own pace. To be eligible for a Home Is Possible loan all borrowers are required to complete an approved homebuyer education class and provide a completion certificate to their lender.

Home Loan Guaranty

Home Loan Guaranty

The VA provides a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

Learn more about Home Loan Guaranty.

Housing Programs for Disabled Veterans

VA provides grants to Servicemembers and Veterans with certain permanent and total service-connected disabilities to help purchase or construct an adapted home, or modify an existing home to accommodate a disability. Two grant programs exist: the Specially Adapted Housing (SAH) grant and the Special Housing Adaptation (SHA) grant.

Specially Adapted Housing (SAH) Grant

SAH grants help Veterans with certain service-connected disabilities live independently in a barrier-free environment. SAH grants can be used in one of the following ways:

  • Construct a specially adapted home on land to be acquired
  • Build a home on land already owned if it is suitable for specially adapted housing
  • Remodel an existing home if it can be made suitable for specially adapted housing
  • Apply the grant against the unpaid principal mortgage balance of an adapted home already acquired without the assistance of a VA grant

Special Housing Adaptation (SHA) Grant

SHA grants help Veterans with certain service-connected disabilities adapt or purchase a home to accommodate the disability. You can use SHA grants in one of the following ways:

  • Adapt an existing home the Veteran or a family member already owns in which the Veteran live
  • Adapt a home the Veteran or family member intends to purchase in which the Veteran will live
  • Help a Veteran purchase a home already adapted in which the Veteran will live

Visit the US VA's Housing Grants website for more information and eligibility requirements.

HUD Home Repairs: Nevada

The programs and resources listed below help homeowners with home repairs and improvements.

Federal Programs


The programs and resources listed below help homeowners with home repairs and improvements.

Community Contacts – find out if your community offers home repair assistance

Nevada State Contractors' Board

USDA Rural Development Office – home improvement loans and grants to low-income homeowners in rural areas

Veterans Affairs Regional Loan Center – loans and grants to qualifying veterans to adapt an existing dwelling to meet specific needs.

Programs by City/Town


Las Vegas Urban League

North Las Vegas

Statewide Programs

Nevada Rural Housing Authority – Major Home Purchase/Improvement Program (775) 887-1795

Home At Last™ Northern Nevada – (775) 887-1796

Home At Last™ Southern Nevada – (702) 992-7215

USDA Rural Development – (775) 887-1795 NV Housing Search

Our Heroes Dreams

Our Heroes Dreams has teamed up with Home Depot and other organizations to help provide needed repairs to our veteran’s homes. Providing these home repairs helps to let our veterans live more comfortable and puts lets stress on a veteran when they can’t afford that new roof or needed repairs.

Visit their website for more information.

Rebuilding Together

Rebuilding Together

Provides critical repairs and renovations for low-income homeowners across the United States, and has done so for almost 25 years. They believe that every person deserves to live in a safe and healthy home.

Nevada Housing Division

Benefit Category: Nevada

Nevada Housing Division

The Nevada Housing Division (NHD), a division of the Department of Business and Industry, was created by the Nevada Legislature in 1975 to solve a very real problem: a shortage of safe and decent housing for individuals and families of low and moderate income. We pride ourselves on helping revitalize neighborhoods and strengthen communities throughout the state.

Home Is Possible for Heroes Program

This hero-worthy program gives veterans and military personnel more buying power and even more opportunities to experience the joys of homeownership—for less. Check out the program benefits and requirements.

Key Benefits:

  • Below-market fixed interest rate 30-year loan
  • Reduces monthly mortgage payment
  • No first-time homebuyer requirement
  • Can be combined with the Mortgage Credit
  • Certificate (MCC) with program fees waived
  • Statewide program

Program Requirements:

  • Qualifying income must be below $95,500
  • Home price below $400,000
  • Government insured loans only (no conventional loans)
  • Minimum credit score of 640
  • Homebuyer must live in home as primary residence
  • Homebuyer education course required
  • Must meet standard underwriting requirements
  • One-time fee of $675

If you're a veteran who has been honorably discharged, are in the National Guard, are a surviving spouse or you’re on active military duty, Home Is Possible For Heroes was made specifically for you. So how do heroes get free money? Start by finding an approved lender.

USDA Rural Development Veterans Resources

Benefit Category: Federal

Rural Development, a mission area under the United States Department of Agriculture (USDA), seeks to increase economic opportunity and improve quality of life in rural America. Through several programs, Rural Development offers financing for safe and affordable housing in rural areas and communities under 35,000 in population. Residents with very low- to moderate- income may qualify for the housing assistance listed below.

  • Homeownership: mortgage financing to construct, purchase or rehabilitate a home.
  • Home Repair: loans and grants to make necessary home improvements that remove health and safety hazards and to make homes accessible.
  • Rental Assistance: financial support may be available if an individual is living in a multi-family housing complex financed by USDA. These properties are located across the state.
  • Servicing: flexible servicing options are accessible to allow a current USDA borrower to remain in their home.

Community Facilities Programs

Community Facilities Programs provide loans, loan guarantees and grants for essential community facilities including homeless shelters and other facilities serving rural veterans. Funding is available to public entities such as municipalities, counties, and special-purpose districts, as well as to non-profit corporations and tribal governments in rural areas and towns of up to 20,000 in population.

Multi-family Housing Programs

The USDA subsidizes over 15,000 rural multi-family apartment complexes throughout the 50 states, Puerto Rico, the Virgin Islands and Guam. Properties are classified as Elderly or Family and provide unit sizes from studio to 4 bedrooms. The properties are serviced by approved Management Agencies who provide required annual tenant certification processing for their residents.

The USDA also provides project-based Rental Assistance for apartment units. Tenants receiving Rental Assistance pay no more than 30% of their adjusted income for rent. Eligibility is determined by income standards set at the state and county level.

The website to locate a multi-family housing property.

Single Family Housing Inventory Property

Non-program real estate owned properties are available for lease to a public body or nonprofit organization for transitional housing for the homeless. In lieu of cash rent, the entity is required to maintain the property, pay real estate taxes and maintain property insurance.

Single Family Housing Programs

Loans are available to help low- to moderate- income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home. This financing can be accessed through an approved lender or directly from USDA, depending upon income.

Single Family Housing Loan Servicing Options

Some borrowers will encounter financial or personal issues that make it difficult or impossible to meet the terms and conditions of a mortgage. In response, USDA provides special servicing activities that are designed to help the borrower become current and succeed in repaying the loan.


  • A moratorium “stops the clock” on payments for up to 2 years to enable the borrower to recover from significant loss of income or unexpected expenses due to loss of employment, reduction in hours, or inability to work due to circumstances beyond the borrower’s control.
  • Amounts that accrue during the moratorium are repaid in a lump sum or by re-amortizing the loan and including the amounts accrued in the outstanding balance.

Payment Assistance

  • Payment assistance to reduce the borrower’s required payment may be made available to eligible borrowers living in eligible units.

Delinquency Workout Agreements

  • Through delinquency workout agreements of up to 2 years, borrowers agree to make the required monthly payment plus an amount that will bring the account current.

Protective Advances

  • Most commonly used to pay taxes and insurance and initial contributions to a newly established escrow account.
  • May also be used to provide funds for repairs to the security property if the borrower cannot qualify for a subsequent loan.
  • Advances are repaid through a lump sum, payment schedule consistent with the borrower’s ability to pay, or by re-amortizing the loan.

Home Renting Information

Rental Opportunities

NHD offers a housing locator in response to Nevada Statute, NRS 319.143, which requires the Division create and maintain a state-wide low-income housing database. The service was launched in September of 2014 and there are over 44,000 rental units listed.

NVHousingSearch.org is a free rental-housing search and listing site for Nevada. It is sponsored by the Nevada Housing Division with support of an advisory committee. This group is made up of representatives from Nevada jurisdictions, human service agencies and housing providers who help oversee services and outreach for NVHousingSearch.org

NVHousingSearch.org is powered and maintained by Emphasys Software and fully supported by the toll-free, nonprofit Socialserve.com call center. Online services are always available, 24/7. The call center provides live help (English and Spanish, voice and TTY) Monday – Friday, 6:00 am – 5:00 pm PST.

In addition to searchable, real-time, detailed listings of available housing, NVHousingSearch.org offers helpful tools, such as a rent checklist, an affordability calculator, and links to related resources.

HUD-VA Supportive Housing (VASH) Program

VASH is a joint effort between the Department of Housing and Urban Development and VA. HUD allocated nearly 38,000 “Housing Choice” Section 8 vouchers across the country. These vouchers allow Veterans and their families to live in market rate rental units while VA provides case management services. A housing subsidy is paid to the landlord on behalf of the participating Veteran. The Veteran then pays the difference between the actual rent charged by the landlord and the amount subsidized by the program.

At-Risk/Homeless Veterans

Homeless Veterans – Nevada Housing

Las Vegas

U.S.VETS: Las Vegas opened in 2001 and operates two residential facilities and a community support office. The Las Vegas location operates over 330 beds of transitional and permanent housing. Employment services are provided through a workforce program that helps over 110 veterans return to employment each year. Additionally, over 400 veteran households are provided rapid re-housing and homeless prevention services annually.”

Share Village: Dedicated to the creation of an environment that is home to U.S. Veterans. This is a unique and innovative approach to holistic and comprehensive housing with 24/7/365 crisis intervention center intensive support services. Public and private collaborative partnerships have been created to provide supplies and services to residents including housing, medical and mental health services, employment training, referrals and placements, food pantry/nutrition programs and transportation to the VA Hospital and primary care clinics.

Capitol Hill is the first point of entry for a homeless Veteran. You will be provided with food and showers, as well as getting you started with resources. Call 775-786-7200 or 1-877-222-VETS (8387) or contact:

Capital Hill Building Veterans Outreach Center
350 Capital Hill Ave
Reno, NV 89502

Shelters and Shower InformationCLICK HERE

Southern Nevada – Food Pantries Information-  CLICK HERE

Volunteers of America: In Northern Nevada, with Volunteers of America, you have access to affordable housing communities, ReStart, resource center, shelters, “the Village on Ssage Street,” and Reno Works.

  • The Resource Center provides homeless individuals access to computers, telephone and mail delivery to help move toward greater self-sufficiency. The Resource Center helps homeless individuals obtain and maintain employment and access additional community resources in a safe, welcoming environment.
  • Reno Works was designed to not only provide job training and income, but to holistically address and treat other factors that contribute to homelessness.  Through the intensive life skills classes, the participants receive the tools necessary to gain sustained employment, housing, and self-sufficiency.
  • Mens shelter: Offering emergency shelter for up to 158 single men, the Men’s Shelter also provides support services such as referrals for permanent housing, health care, education and career opportunities.
  • Village on Sage Street: This unique coed “dorm-style” facility is comprised of eight modular buildings with 200 small single occupancy units for individuals that are at least 18 years of age. The Village is primarily designed to serve working people earning minimum wage, or those with other income sources such as social security or disability, as a low-income housing option. The Village will provide a foundation and stability for its residents and contribute to the overall well being of the entire community.

Nevada – Other Locations
Transitional/permanent housing: Veterans Housing Development Corporation is a recognized leader in addressing the obstacles that too many military veterans face when trying to secure affordable housing. Our proven solutions include homelessness prevention and rapid re-housing, transitional housing for homeless veterans, and permanent supportive housing, all of which include onsite services and support that help our veterans achieve residential stability and confidently re-integrate with their surrounding communities.

For more locations in Nevada on permanent and transitional housing, and other homeless resources visit: NV housing search

VA Supportive Services for Veterans Families (SSVF) Program: Each participant household's file must include documentation verifying that the participant meets SSVF program eligibility requirements and specifies the participant's category of “occupying permanent housing." Grantees with insufficient case file documentation may be found out of compliance with SSVF program regulations during a VA monitoring visit. Grantees must develop policies and procedures that ensure appropriate documentation is obtained and included in participants' files. VA encourages grantees to use the program guide to help them ensure appropriate and sufficient information is collected, documented, and maintained in participant case files to document program compliance. SSVF eligibility information.

Visit the Volunteers of America brochure for more information on SSVF.

Other Resources

Nation's Finest: How to Get Help

NDVS: Veteran Service Officers – Contact Info

Legal Aid – Southern Nevada

FAQs Facing eviction or at-risk of eviction

The Nevada Department of Veterans Services (NDVS) continues working in partnership with key nonprofits across Nevada that deal with homelessness or those at-risk of being homeless. NDVS is also working in tandem with our partners who provide us with legal resources, including the Attorney General’s Office of Military Legal Assistance, Nevada Legal Services and the Legal Aid Center of Southern Nevada. With the help of our legal resources, the following information is important for renters to know:

  • Nevada’s State Eviction Moratorium has expired, but the CDC moratorium remains in effect through June 30, 2021. To qualify for the moratorium, you must complete a CDC Declaration. (Forms are below) Once you have filled out the declaration, give a signed copy to the individual or company you rent from and make sure you keep a copy for your records.
  • CDC Declaration Form – English
  • CDC Declaration Form – Spanish
  • CDC Declaration Form – Traditional Chinese
  • CDC Declaration Form – Tagalog
  • CDC Summary of Moratorium Extension
  • FAQs Eviction Moratorium 
  • If you would like help from an expert, contact (800) 569-4287 or click HERE to find a local HUD-approved housing counselor.
  • Respond to any and all eviction notices or correspondence from your landlord! Keep a copy of your responses for your records.
  • Regarding the court, when filing an answer to any Notice of Eviction, remember to include whether or not you have applied for the Cares Housing Assistance Program (CHAP), as well as information on the status of your CHAP application. If your landlord has not been cooperating with your CHAP application process, the court needs to know!
  • Request mediation, if needed.

“Whether you’re facing eviction or at-risk of eviction, I would strongly encourage you to visit our website at www.veterans.nv.gov,” said Fred Wagar, NDVS Deputy Director of Operations. “Just click on our COVID-19 resources page, where you will find a wealth of information that can be helpful from food assistance, family and child resources, employment, housing and more. Right now would also be a good time to connect with one of our Veterans Service Officers, who can assist you with filing for earned benefits.”

NDVS Veterans Service Officers (VSOs) help guide veterans in filing for earned benefits such as compensation, pension, education, vocational and rehabilitation, employment, home loans, health care and burial benefits.

“Over the years, the VA has made many changes regarding eligibility for earned benefits through military service,” said Wagar. If you’re facing eviction, you owe it to yourself to make an appointment today, as there are resources in place to prevent and support veterans who are homeless or are facing homelessness.”

NDVS VSOs are VA accredited, and their service is provided free of charge. Appointments are offered in-person and virtually. Click HERE to find a VSO near you.

Habitat for Humanity

Truckee Meadows Habitat for Humanity

Our Vision: A world where everyone has a decent place to live.

Our Mission Statement: Seeking to put God's love into action, Habitat for Humanity brings people together to build homes, community and hope.

About Habitat for Humanity Truckee Meadows: Habitat for Humanity Truckee Meadows is part of a global, nonprofit housing organization operated on Christian principles that seeks to put God's love into action by building homes, communities and hope. Habitat for Humanity Truckee Meadows is dedicated to eliminating substandard housing locally and worldwide through constructing, rehabilitating and preserving homes; by advocating for fair and just housing policies; and by providing training and access to resources to help families improve their shelter conditions. Habitat for Humanity was founded on the conviction that every man, woman, and child should have a simple, durable place to live in dignity and safety, and that decent shelter in decent communities should be a matter of conscience and action for all.

All are welcome: Habitat for Humanity Truckee Meadows has an open-door policy: All who believe that everyone needs a decent, affordable place to live are welcome to help with the work, regardless of race, religion, age, gender, political views, or any of the other distinction that too often divide people. In short, Habitat welcomes volunteers and supporters from all backgrounds and also serves people in need of decent housing regardless of race or religion. As a matter of policy, Habitat for Humanity International and its affiliated organizations do not proselytize. This means that Habitat will not offer assistance on the expressed or implied condition that people must either adhere to or convert to a particular faith, or listen and respond to messaging designed to induce conversion to a particular faith.

About Habitat for Humanity Elko County: Shelter from rain, wind and sun is a basic human need.

Habitat for Humanity provides decent, affordable houses to families in need. Habitat homeowners gain self-respect as they work alongside volunteers to construct their homes.

Our purpose is to build homes with families and then to sell the houses at no profit and no interest to families who could not otherwise afford a home. Habitat for Humanity does not give away homes. Instead, a family pays an affordable mortgage with 0% interest. The house payments are used to build more homes with other families. Habitat for Humanity works with families, not for families.

To be considered for a home through Elko County Habitat for Humanity, several guidelines must be met such as a housing need (unsafe or unsanitary conditions, spending more than 50% of monthly income for housing, overcrowding, etc.). Elko County Habitat for Humanity is organized and ran by its Board of Directors.

Habitat for Humanity Las Vegas revitalizes and stabilizes neighborhoods in our community that cannot support private development. Sponsors, donors, volunteers and families work together to build homes, settle families and grow a community of neighbors.

The Habitat Sahara ReStore generates operating revenue by salvaging, recycling and sourcing overstock building materials and selling them to the public at highly discounted prices. It also provides training and employment opportunities.

Habitat for Humanity Las Vegas, Inc. was established in Clark County, Nevada in 1991. A Christian Housing Ministry, we are governed by a Board of Directors made up of local community leaders. We are a 501 (c) 3 private, non-profit organization accredited by the United Way. We are an affiliate of Habitat for Humanity International and operate in full compliance with our Covenant and US Operating Agreement.”

About Habitat for Humanity International: Founded in Americus, Georgia, USE, in 1976, Habitat for Humanity today operates around the globe and has helped build, renovate, and repair more than 600,000 decent, affordable houses sheltering more than 3 million people worldwide.

National Coalition for Homeless Veterans

The National Coalition for Homeless Veterans (NCHV) – a 501(c)(3) nonprofit organization governed by a 23-member board of directors – is the resource and technical assistance center for a national network of community-based service providers and local, state and federal agencies that provide emergency and supportive housing, food, health services, job training and placement assistance, legal aid and case management support for hundreds of thousands of homeless veterans each year.

NCHV also serves as the primary liaison between the nation’s care providers, Congress and the Executive Branch agencies charged with helping them succeed in their work. NCHV's advocacy has strengthened and increased funding for virtually every federal homeless veteran assistance program in existence today.