VA Loan Resources for Nevada Veterans

Nevada VA loan requirements include: valid Certificate of Eligibility (COE), minimum credit score typically 580-620, sufficient income to meet residual income requirements, debt-to-income ratio under 41%, and intent to occupy as primary residence.

Learn more in our complete requirements guide or start your application.

No! One of the biggest benefits of VA loans is 0% down payment for qualified Nevada veterans. You can purchase a home with no money down if you meet eligibility requirements and the property appraises at or above the purchase price.

Use our affordability calculator to see how much you can afford with $0 down or review all VA loan benefits.

For 2025, most Nevada counties have no loan limit for veterans with full entitlement. If you have remaining entitlement, the conforming loan limit is $806,500 for Clark and Washoe counties. High-cost counties may have higher limits.

See complete Nevada county loan limits or talk to a VA specialist.

You can get your COE online through the VA's eBenefits portal (fastest method, usually instant), through your lender who can request it for you, or by mailing VA Form 26-1880 with required documents. Most Nevada veterans receive their COE within 1-3 business days.

See our step-by-step COE guide or use our eligibility checker.

The VA funding fee is a one-time charge (typically 2.15% for first-time buyers with 0% down) that helps fund the VA loan program. It can be rolled into your loan amount. Veterans with service-connected disabilities rated 10% or higher are exempt from the funding fee entirely.

Calculate your funding fee with our free calculator or read our complete guide.

Yes, but the condo project must be VA-approved. The VA maintains a list of approved condo projects. Many Las Vegas, Henderson, and Reno condos are VA-approved, but you should verify before making an offer.

Search VA-approved condos in Nevada or contact us for assistance.

VA loan approval in Nevada typically takes 30-45 days from application to closing. Pre-approval can happen in 24-48 hours. Timeline depends on documentation completeness, appraisal scheduling, and underwriting volume.

Get started with our application checklist or apply online now.

Yes! VA loan benefits are reusable. Your entitlement is restored when you sell the home and pay off the VA loan, or you can have multiple VA loans simultaneously if you have remaining entitlement. Many Nevada veterans use their benefits multiple times throughout their lives.

Learn about lifetime reusability or explore refinancing your VA loan.

While the VA doesn't set a minimum credit score, most Nevada lenders require 580-620. Some lenders may approve scores as low as 500 with compensating factors. Higher credit scores generally result in better interest rates and faster approval.

Review complete credit requirements or use our credit improvement guide.

No! VA loans do not require monthly mortgage insurance (PMI) regardless of down payment amount. This saves Nevada veterans hundreds of dollars per month compared to conventional loans with less than 20% down or FHA loans that require MIP for the life of the loan.

See full VA loan benefits or compare with our VA vs Conventional guide.