About the Program

The Rural Rocks $20K program helps Nevada homebuyers get closer to homeownership with up to $20,000 in assistance toward down payment and closing costs. Designed for today’s essential workers, the program requires at least one borrower work in a qualifying essential worker industry and has been a Nevada resident for six months or more. First-time and repeat borrowers are eligible.

Rural Rocks $20K's minimum credit score of 640 expands affordable credit access, giving buyers with lower scores the opportunity of homeownership without high interest rates. In fact, this program offers permanent rate reductions with down payment/closing cost assistance OR standalone down payment/closing cost assistance! Income limits apply and vary by county and can be viewed in program guidelines. The funds of this program are limited so be sure to reach out to one of our trusted lending partners to check your eligibility status before it is gone!

*Funds may be used for down payment/closing costs or combined with a permanent interest rate reduction.

Borrower Requirements:

• The property must be a single-family home, a condominium unit, a townhome, or manufactured home.
• Must be the borrower’s primary residence.
• Property must be located in the State of Nevada
• New and existing properties are eligible.
• Borrowers who have previously used a Nevada Rural Housing homeownership program are not eligible.
• Meet all applicable Program Guidelines and Ginnie Mae (FHA, VA, USDA-RD), Fannie Mae and Freddie Mac underwriting guidelines.

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