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Nevada program

Worker Advantage

Nevada route through Nevada Housing Division. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred second mortgage Repay later on trigger 2026-04-13
Agency Nevada Housing Division
Support type Deferred second mortgage
Amount highlight $20,000 in downpayment assistance. The funds can be applied fully toward the down payment, or used to buy down the principal loan's interest rate with any remaining funds used toward the down payment and/or closing costs.
Last verified 2026-04-13

Decision-ready public facts

What stays free on this program page

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Amount

$20,000 in downpayment assistance. The funds can be applied fully toward the down payment, or used to buy down the principal loan's interest rate with any remaining funds used toward the down payment and/or closing costs.

Type

Deferred second mortgage

Repayment

Downpayment assistance is provided in the form of a no-interest, no-payment, non-forgivable 30-year second mortgage.

First-time buyer

Not required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Law enforcement officers, Firefighters, Emergency medical technicians (EMTs), Paramedics, Dispatchers, Correctional officers, Physician, Registered Nurse, Licensed Practical Nurse / Licensed Vocational Nurse, Nurse Practitioner, Medical Assistant, Surgical Technologist, Radiologic Technologist, Laboratory Technician, Pharmacist, Home Health Aide, Physical Therapist, Occupational Therapist, Medical Receptionist, Custodian / Janitor, Instructional Coordinator, School Administrator, School Bus Driver, School Counselor, School Librarian / Media Specialist, School Secretary / Office Staff, Special Education Teacher, Teacher (Elementary, Middle or High School), Teacher Aide / Paraeducator, Border Patrol Agent, Hazardous Material (HazMat) Technician, Public Safety Diver, Search and Rescue Personnel, Wildland Firefighter, Carpenter, Concrete Finisher, Drywall Installer / Finisher, Electrician, General Laborer, Glazier, Heavy Equipment Operator, Ironworker, Mason, Painter, Plumber / Pipefitter / Steamfitter, Roofer

What support do you get?

$20,000 in downpayment assistance. The funds can be applied fully toward the down payment, or used to buy down the principal loan's interest rate with any remaining funds used toward the down payment and/or closing costs.

Do you repay it?

Downpayment assistance is provided in the form of a no-interest, no-payment, non-forgivable 30-year second mortgage.

How do you apply?

Apply through a Home Is Possible participating lender.

Application timing

After a buyer has a fully executed sales contract, the lender reserves the first mortgage and $20,000 assistance in eHousingPlus, submits Worker Advantage documents to NHD at least 5 business days before closing for a 24-hour Clear to Close, and must complete purchase within the 70-day reservation timetable.

Official source evidence

The official Worker Advantage page says Nevada essential workers can receive $20,000 in downpayment assistance as a no-interest, no-payment, non-forgivable 30-year second mortgage, with no first-time homebuyer requirement. The official rates page dated April 10, 2026 says the program is available with FHA, VA, USDA and Conventional options, requires a 640 minimum credit score, caps purchase price at $832,750, and requires employment in an Essential Worker category plus six months of Nevada residency.

View official source

Last verified

2026-04-13

Rates as of April 10, 2026

Paid preview

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Comparison preview

Worker Advantage

Amount: $20,000 in downpayment assistance. The funds can be applied fully toward the down payment, or used to buy down the principal loan's interest rate with any remaining funds used toward the down payment and/or closing costs.

Repayment: Downpayment assistance is provided in the form of a no-interest, no-payment, non-forgivable 30-year second mortgage.

First-time buyer: Not required

Timing: After a buyer has a fully executed sales contract, the lender reserves the first mortgage and $20,000 assistance in eHousingPlus, submits Worker Advantage documents to NHD at least 5 business days before closing for a 24-hour Clear to Close, and must complete purchase within the 70-day reservation timetable.

Risk checks preview

What gets flagged before you call a lender

  • Worker Advantage requires a participating lender.
  • Worker Advantage must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Worker Advantage for this household and loan setup?
  • Which first-mortgage product must be paired with Worker Advantage, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official Program guide for Worker Advantage
  • Ask whether your lender is approved for this exact program and loan structure.
Open the full Nevada board

Paid research preview

What paid research already covers in Nevada

Paid research already tracks city and county programs, public employee or pension paths, specialty and conditional paths for Nevada.

3 tracked deeper records

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

public employee or pension paths

Public employee or pension-backed mortgage angles that need slower source review.

1 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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