Nevada Rural Housing options for Lincoln County homebuyers
Compare Nevada Rural Housing programs through the current rate page and an approved lender; assistance can carry long-term repayment obligations.
Nevada Rural Housing’s official program page, checked September 24, displayed a September 24, 2026 rate date. It lists Home At Last, Rural Rocks $20K and Launchpad options. The old September 1 rate table has been removed from this article: consult the live rate page and an approved lender for current terms, fees and APR.
Rural Rocks’ $20,000 assistance is a zero-interest second mortgage forgiven only at its 30-year maturity; earlier sale, refinance or first-mortgage prepayment triggers repayment. Launchpad assistance is deferred but never forgiven and has repayment triggers. Home At Last’s unassisted option has no assistance second mortgage.
The current table lists Lincoln County’s Rural Rocks income limit as $148,350. First-time-buyer non-targeted income limits are $104,800 for one or two people and $120,520 for larger households; the corresponding all-other-counties purchase limit is $566,354. Loan-agency and property rules can be stricter.
Funding, rates and eligibility can change. An approved lender—not this directory—determines eligibility and reserves the loan. This is general information, not financial advice or an offer to lend.