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Lander County: Lander County Living: FHA Loans, Real Estate Trends & Your New Home!

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 Don’t rely on outdated numbers floating around the web—these are the official 2025 limits, and they’re updated every year based on real local data.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 Lander County, NevadaNew Title

What are the 2025 FHA loan limits for Lander County, Nevada?

The FHA loan limits for 2025 in Lander County are set based on property type and reflect local median home prices. These are the maximum amounts FHA will insure:


1-Unit: $524,225


2-Unit: $671,200


3-Unit: $811,275


4-Unit: $1,008,300


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

FHA loan limits are adjusted annually by HUD to reflect changes in local housing costs. If home prices in Lander County go up or down, the limits usually follow to ensure fair access to financing.


Is Lander County considered a high-cost area for FHA loans?

No. Lander County is classified as a “standard” or low-cost area, which means it falls under the national FHA loan limit floor. This is appropriate for its rural setting and more affordable housing market.


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

Yes, FHA allows you to purchase up to a four-unit property as long as you live in one of the units. This makes FHA a smart option for buyers who want to house hack or build equity with rental income.


What if the home I want costs more than the FHA limit?

If your purchase price exceeds the FHA loan limit, you’ll need to either cover the difference in cash or consider a different loan product—like a conventional or jumbo loan. FHA loans cannot go even one dollar over the set limit.


Do I need to be a first-time buyer to qualify for an FHA loan in Lander County?

Nope. While FHA loans are popular with first-time buyers because of their flexible credit requirements and low down payments, they’re available to anyone who qualifies—whether it’s your first home or your fifth.


Can I use an FHA loan on land or manufactured homes in Lander County?

FHA loans can be used on manufactured homes only if they are permanently affixed to a foundation and meet HUD safety standards. Raw land, however, is not eligible. FHA loans are strictly for residential properties.

Clark County Lender, Fair housing participant