FHA loans in Las Vegas

For FHA case numbers assigned on or after January 1, 2026, HUD’s county limit file lists Clark County in the Las Vegas-Henderson-North Las Vegas metro at the national floor: $541,287 for a one-unit home, $693,050 for two units, $837,700 for three units, and $1,041,125 for four units. The same file shows the area median HUD used for that calculation as $462,000. Because that median does not lift Clark County into a high-cost tier, the floor applies.

The 2026 conforming loan limit for a one-unit home in most of the country, including a baseline-cost county, is $832,750. A price between the FHA limit and that conforming limit is a conventional loan conversation, not an FHA one. Above $832,750 is jumbo territory.

HUD’s own answer on down payment: to insure the maximum mortgage, the borrower must make a minimum required investment of at least 3.5% of the adjusted value. A lender can require more cash, a higher credit score, or a different program. FHA is for a primary residence. It is not a second-home or investment loan, and it is not a promise that you will be approved.

Nevada Housing Division first-time buyer limits for Clark County, active as of June 15, 2026, are a maximum purchase price of $566,354 and maximum household income of $105,500 (2 or fewer people) or $121,325 (3 or more). The Division says some areas inside the county can have a higher income limit. Its site also describes assistance that is not limited to first-time buyers, including up to 5% of the loan value toward down payment or closing costs on the Home First track. Those rules change. Call before you count on them.

For a Las Vegas purchase, see the Las Vegas mortgage lender page for VA, FHA, and first-time buyer loans. Sources: HUD CY2026 forward mortgage limits file (Clark County, NV, effective January 1, 2026); HUD No. 25-145 and Mortgagee Letter 2025-23; FHFA 2026 conforming loan limits (November 25, 2025); HUD FHA down-payment answer; Nevada Housing Division limits and Home Is Possible.