What Is the Minimum Down Payment to Buy a House in Las Vegas?

What Is the Minimum Down Payment to Buy a House in Las Vegas?

One of the most common questions I hear as a real estate agent is: “How much do I need for a down payment?” If you’ve been dreaming about buying a home in Las Vegas, the good news is—you may need less than you think.

Let’s break it down:
For most first-time buyers, the minimum down payment for a conventional loan is just 3% of the purchase price. On a $400,000 home, that’s $12,000. FHA loans, popular with many buyers due to flexible credit requirements, require only 3.5% down. And if you qualify for a VA or USDA loan, the minimum down payment could actually be $0.

🔑 For Buyers
This opens the door to homeownership much sooner than many expect. With local down payment assistance programs and flexible lending options, it’s easier than ever to get started—even if you don’t have a huge savings account.

📈 For Sellers
This means more qualified buyers are in the market. With multiple loan types and low entry costs, the buyer pool expands—especially among first-time homebuyers and younger families.

🏡 What This Means for Me as a Las Vegas Agent
I guide clients through these options every day. Whether you’re buying your first home or listing your current one, I help you navigate the financing landscape to close smoothly and confidently. Let’s talk strategy and make it happen.

The path to homeownership in Las Vegas doesn’t have to start with 20% down. Let’s explore your options and find the best fit for your goals.