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Churchill County: Dive into Churchill County FHA Loan Limits & Your 2025 Home Journey!

FHA Loan Limits in Clark County, Nevada. Know your numbers before house hunting.Unlock the full potential of your FHA loan by understanding the limits specific to Clark County. Whether you're buying a single-family home or a fourplex, these limits help you:


Determine your maximum financing range

Plan for down payment requirements

Choose the right loan type for your goals


Bonus: Clark County includes Las Vegas, Henderson, Paradise, and dozens of fast-growing communities—all with different home pricing dynamics. Make informed decisions with expert-backed guidance.


A blue and white icon representing fair housing on a blue background.

Buying a home in Las Vegas, Henderson, or anywhere in Clark County? Then this page might be one of the most financially important ones you read today. Every year, the Federal Housing Administration (FHA) adjusts loan limits based on median home prices in each county—and Clark County, with its explosive growth, always makes the list of counties to watch.


In 2025, the FHA loan limits have increased again, reflecting rising home values across the region. Whether you're looking to purchase a single-family home, a duplex, a triplex, or even a fourplex, the amount you're allowed to borrow under the FHA program depends entirely on the county-specific limits. These limits help buyers stay competitive in today’s market while using low-down-payment FHA financing.


Here’s why these numbers matter to you:


Loan limits are updated annually – and they typically rise when home prices go up.


Each property type has its own limit – so a fourplex qualifies for way more than a single-family home.


Staying under the county limit keeps your loan “FHA-eligible” – no jumbo rates, no extra hoops to jump through.


FHA loans are popular in Clark County thanks to their low down payment requirements, flexible credit guidelines, and built-in protections. They’re especially helpful for first-time buyers or anyone who needs to stretch their purchasing power.


Whether you're eyeing a condo near Summerlin, a starter home in North Las Vegas, or a multi-unit investment property in Henderson, this page is your go-to resource to check what’s currently allowed. Don’t rely on outdated numbers floating around the web—these are the official 2025 limits, and they’re updated every year based on real local data.

Quick Scroll FHA Loan Limits and Credit Event Timelines

for Every County in Nevada Below

Sub-H2 Year Single Unit Loan Limit Duplex Loan Amount Triplex Max Loan Amount Fourplex Max Conventional Loan Amount Max DTI Allowed Credit Score Requirements Bankruptcy Seasoning Period Short Sale Seasoning Requirement Foreclosure Seasoning Requirement
See How Clark County's Home Prices Are Driving New FHA Limits for Single-Family and Multifamily Homes 2025 $524,225 $671,200 $811,275 $1,008,300 43% up or up to to 56.9% with compensating factors 580 credit score for 3.5% down and 500-579 with 10% down Chapter 7 is 2 years and Chapter 13 is 2 years or 1yr with court approval. 3 years from the date of sale 3 years
Unlock Your FHA Buying Power in Enterprise, Nevada: One of the Las Vegas Valley’s Largest Suburbs 2025 $524,225 $671,200 $811,275 $1,008,300 43% up or up to to 56.9% with compensating factors 580 credit score for 3.5% down and 500-579 with 10% down Chapter 7 is 2 years and Chapter 13 is 2 years or 1yr with court approval. 3 years from the date of sale 3 years
Understand the Annual FHA Loan LImit Updates Based on Churchill County’s Housing Market 2025 $524,225 $671,200 $811,275 $1,008,300 43% up or up to to 56.9% with compensating factors 580 credit score for 3.5% down and 500-579 with 10% down Chapter 7 is 2 years and Chapter 13 is 2 years or 1yr with court approval. 3 years from the date of sale 3 years
Understand the Annual FHA Updates Based on Elko County’s Housing Market 2025 $524,225 $671,200 $811,275 $1,008,300 43% up or up to to 56.9% with compensating factors 580 credit score for 3.5% down and 500-579 with 10% down Chapter 7 is 2 years and Chapter 13 is 2 years or 1yr with court approval. 3 years from the date of sale 3 years
Understand the FHA Cap in Esmeralda County, One of Nevada’s Most Unique Housing Markets 2025 $524,225 $671,200 $811,275 $1,008,300 43% up or up to to 56.9% with compensating factors 580 credit score for 3.5% down and 500-579 with 10% down Chapter 7 is 2 years and Chapter 13 is 2 years or 1yr with court approval. 3 years from the date of sale 3 years
Understand the FHA Cap in One of Nevada’s Most Unique Housing Markets 2025 $524,225 $671,200 $811,275 $1,008,300 43% up or up to to 56.9% with compensating factors 580 credit score for 3.5% down and 500-579 with 10% down Chapter 7 is 2 years and Chapter 13 is 2 years or 1yr with court approval. 3 years from the date of sale 3 years
Explore the FHA Caps That Define Humboldt County’s FHA Loan Home Buying Power 2025 $524,225 $671,200 $811,275 $1,008,300 43% up or up to to 56.9% with compensating factors 580 credit score for 3.5% down and 500-579 with 10% down Chapter 7 is 2 years and Chapter 13 is 2 years or 1yr with court approval. 3 years from the date of sale 3 years
Explore the FHA Loan Caps that Define Lander County FHA Home Buying Power 2025 $524,225 $671,200 $811,275 $1,008,300 43% up or up to to 56.9% with compensating factors 580 credit score for 3.5% down and 500-579 with 10% down Chapter 7 is 2 years and Chapter 13 is 2 years or 1yr with court approval. 3 years from the date of sale 3 years
Discover How FHA Loan Caps Can Empower Homebuyers in Lincoln County 2025 $524,225 $671,200 $811,275 $1,008,300 43% up or up to to 56.9% with compensating factors 580 credit score for 3.5% down and 500-579 with 10% down Chapter 7 is 2 years and Chapter 13 is 2 years or 1yr with court approval. 3 years from the date of sale 3 years
Unlock Homeownership Buying Power with FHA Financing in Lyon County 2025 $524,225 $671,200 $811,275 $1,008,300 43% up or up to to 56.9% with compensating factors 580 credit score for 3.5% down and 500-579 with 10% down Chapter 7 is 2 years and Chapter 13 is 2 years or 1yr with court approval. 3 years from the date of sale 3 years

Single Dwelling Loan Limit

$524,225

Duplex Loan Limit

$671,200

Triplex Loan Limit

$811,275

Fourplex Loan Limit

$1,008,300

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30-year fixed loan

Principle & Interest

Home Insurance

Total Payment

Max DTI Ratio(debt to income)

43% up or up to to 56.9% with compensating factors

Foreclosure Seasoning Period

3 years

Short Sale Seasoning Loan

3 years from the date of sale

Credit Score Requirement

580 credit score for 3.5% down and 500-579 with 10% down

Bankruptcy Seasoning

Chapter 7 is 2 years and Chapter 13 is 2 years or 1yr with court approval.

Frequently Asked Questions About FHA Loan Limits in Churchill County, NevadaNew Title

What are the 2025 FHA loan limits in Churchill County, Nevada?

  • The FHA loan limits in Churchill County for 2025 depend on the number of units in the property you're buying. The limits are different for single-family homes, duplexes, triplexes, and fourplexes. These caps are updated annually based on the county’s median home price.

Why do FHA loan limits change every year in Churchill County?

  • Loan limits are based on real-time housing data. Each year, the Federal Housing Administration evaluates median home prices in every county across the U.S. If home prices in Churchill County go up, the loan limits often rise with them to ensure buyers can still qualify for affordable financing.

How do I know which FHA limit applies to my property?

It depends on how many units the property has:


1 unit = single-family home


2 units = duplex


3 units = triplex


4 units = fourplex


FHA sets a different borrowing cap for each property type. As long as you plan to live in one of the units, you can finance the entire building with an FHA loan (within the current limit).


Is Churchill County considered high-cost or low-cost for FHA limits?

  • Churchill County is classified as a low-to-moderate cost area. That means the FHA loan limits here are lower than in high-cost metro areas like Las Vegas or Reno, but still adjusted annually based on local market conditions.

Can I buy a multi-unit property in Fallon with an FHA loan?

  • Yes, absolutely. FHA loans are popular for owner-occupied multifamily homes. As long as you live in one of the units, you can buy up to a fourplex with an FHA loan in Churchill County—within the allowable limit.

What happens if I need a loan bigger than the FHA limit in Churchill County?

  • If your loan amount exceeds the FHA cap, your mortgage would no longer qualify for FHA financing. You’d need to explore options like a conventional loan or a portfolio loan that allows for larger amounts.

Do I have to be a first-time buyer to use an FHA loan in Churchill County?

  • No. FHA loans are available to any qualified buyer, not just first-timers. That said, FHA’s flexible credit guidelines and low down payment make it an especially attractive option for buyers entering the market or returning after a financial reset.
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