FHA Loans in Las Vegas, NV
Looking for a fha loan near Las Vegas, NV? Harris Capital Mortgage Group is a licensed mortgage lender serving Las Vegas and surrounding areas. Get a free estimate — no hard credit check. NMLS# 1918223.
See your payment before you fall in love
Adjust the numbers and your estimate updates instantly. No forms, no commitment, just the math, right now.
- ✓Full PITI breakdown — Principal, Interest, Taxes & Insurance
- ✓FHA, VA, USDA & Conventional loan types
- ✓Complete amortization schedule included
Loan Type
Your estimate is ready
Enter your info to unlock your full PITI breakdown.
FHA Loan Near Las Vegas, NV
Nevada's no state income tax is attractive to relocating buyers. Las Vegas and Reno markets move quickly — a fast pre-qualification matters.
Harris Capital Mortgage Group (NMLS# 1918223) is a licensed mortgage lender near Las Vegas, NV serving buyers throughout the NV market. Whether you're searching for a fha loan near Las Vegas or anywhere in NV, our loan officers know the local market and will guide you through every step of the process.
Las Vegas Market Snapshot
Areas within Las Vegas we commonly serve
Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.
Frequently Asked Questions: FHA Loan in Las Vegas, NV
How do I qualify for an FHA loan in Las Vegas, NV with a 620 credit score?
A 620 credit score qualifies you for a 3.5% down payment FHA loan in Las Vegas, NV. You will also need a debt-to-income ratio at or below 43%, a steady 2-year employment history, and the property must be your primary residence. Harris Capital Mortgage Group's loan officers in NV can review your full profile and confirm eligibility in minutes — no hard credit check required for an initial estimate.
What is the FHA loan limit in Las Vegas, NV for 2026?
HUD's 2026 FHA one-unit limits range from $541,287 to $1,249,125 nationally, but the exact limit is county-specific. Your Harris Capital loan officer will confirm the applicable limit for the property county.
Can I buy a home in Las Vegas with no money down if I have an FHA loan?
FHA loans require a minimum 3.5% down payment — they are not zero-down loans. However, the down payment can come from down payment assistance programs in NV, a gift from a family member, or local grant programs. Our loan officers know every active DPA program in Las Vegas and can tell you whether you qualify for a grant or second mortgage that effectively reduces your out-of-pocket to near zero.
FHA Loan, Common Questions
What is the minimum down payment for an FHA loan?
FHA loans allow down payments as low as 3.5% for borrowers with a credit score of 580 or higher. Scores between 500–579 require 10% down.
Does FHA require mortgage insurance?
Yes. FHA loans require an upfront MIP (1.75% of the loan amount) and an annual MIP paid monthly. For most loans, MIP continues for the life of the loan.
What credit score do I need for FHA?
Most FHA lenders require a minimum score of 580 for 3.5% down. Harris Capital will review your full profile to find the best available path.