Nevada program
Worker Advantage
Nevada ยท Nevada Housing Division
Quick answer
What this program appears to offer
$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.
Deferred second mortgage
Deferred second mortgage
Downpayment assistance is provided in the form of a no-interest, no-payment, non-forgivable 30-year second mortgage.
Not required
Trust layer
Program structure and lender rules
These fields stay free because they describe the official program rules, not a paid decision layer.
Required
Required
Not forgivable or not captured
Check official rules
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 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 to apply
Apply through a Home Is Possible participating lender.
Direct official links
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.
Official documents
Last verified
2026-04-13
Rates as of April 10, 2026