VA home loans in Las Vegas, NV
For veterans, active-duty service members and eligible surviving spouses buying or refinancing in Las Vegas and Clark County. A local team, plain answers, and the 2026 numbers that matter here.
Harmony Home Loans is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
VA loans at a glance
No down payment may be needed
VA loans may allow no down payment for eligible borrowers.
No monthly PMI
No private mortgage insurance added to your payment.
Use it again
With remaining entitlement, you can use a VA loan more than once.
Streamline later
Current VA loans may refinance with the VA IRRRL and less paperwork.
Buying near base
Las Vegas, Nellis and Creech
Southern Nevada is home to two Air Force bases and a large veteran community, so VA loans are a big part of what we do in Clark County.
Nellis Air Force Base
In northeast Las Vegas. Buyers stationed here often look at North Las Vegas, Aliante, Centennial Hills and Sunrise Manor for the commute.
Creech Air Force Base
In Indian Springs, about 45 miles northwest of Las Vegas on US-95. The northwest valley keeps that drive shorter.
VA Southern Nevada Healthcare System
The VA medical center in North Las Vegas, which matters if you want to live near your care.
Nevada Department of Veterans Services
State benefits for Nevada veterans, including a veterans' property tax exemption. Check the details with the department.
2026 numbers for Clark County
Loan limits, with sources
Limits change every January. Each figure links to its source and was checked on 2026-11-11. We'll update this page when the 2027 limits are announced.
VA loan with full entitlement
No VA loan limit
Source: VA.gov, VA home loan limits (page updated 2025-08-12). Checked 2026-11-11.
Conforming limit, one unit (also the VA limit with remaining entitlement)
$832,750
Same in every Nevada county. Loans above this are jumbo in Clark County. Source: FHFA, 2026 conforming loan limits (announced 2025-11-25). Checked 2026-11-11.
FHA limit, one unit, Clark County
$541,287
The 2026 national floor. Source: HUD news release 25-145 (2025-12-11). Checked 2026-11-11.
The VA funding fee
Most VA borrowers pay a one-time funding fee that helps keep the program running for future veterans. It can often be financed into the loan.
| Loan type | First use | After first use |
|---|---|---|
| Purchase, less than 5% down | 2.15% | 3.3% |
| Purchase, 5% or more down | 1.5% | 1.5% |
| Purchase, 10% or more down | 1.25% | 1.25% |
| Cash-out refinance | 2.15% | 3.3% |
| VA streamline refinance (IRRRL) | 0.5% | 0.5% |
You don't pay the fee if you receive (or are eligible for) VA disability compensation, you're a surviving spouse receiving Dependency and Indemnity Compensation, you have a proposed or memorandum disability rating issued before closing, or you're on active duty and received a Purple Heart on or before closing.
Source: VA.gov, VA funding fee and loan closing costs (rates effective 2023-04-07; page updated 2026-10-05). Checked 2026-11-11.
The VA loan process
Six steps, start to keys
Initial consultation
Talk with our team about your goals and get personal guidance.
Pre-qualification & eligibility
We review your qualifications and go over loan options.
Find a home & make an offer
Work with a real estate agent to find the right home.
VA appraisal & inspection
The VA requires an appraisal to confirm the home meets its safety and value standards.
Processing & approval
We handle the paperwork while you get ready to move.
Closing & move-in
Sign, get your keys and settle in.
Closing costs: a VA loan may need no down payment, but you may still pay closing costs such as title recording and paperwork fees. Sellers can sometimes cover some or all of them as part of the deal, so talk it over with your agent.
From our team
VA loans in under a minute
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Who is eligible for a VA home loan?
Active-duty service members, veterans, and certain National Guard and Reserve members who meet the VA's minimum service requirements may be eligible, as can some surviving spouses.
Can I use a VA loan more than once?
Yes. As long as you have remaining entitlement, you can use a VA loan multiple times, even if you've used it before.
Do VA loans require a credit check?
Yes. VA loans have flexible credit requirements, but lenders still look at your credit history and financial stability.
What are the property requirements?
The home must be safe, sanitary and structurally sound, and meet the VA's minimum property requirements (MPRs). The VA appraisal checks this.
Can I buy a second home or rental with a VA loan?
No. VA loans are for primary residences only, not vacation homes or rental properties.
Is there a loan limit in Clark County?
With full entitlement there's no VA loan limit. With remaining (partial) entitlement, the limit follows the county's conforming limit, $832,750 for one unit in 2026. See the sources.
Ready to use your VA benefit in Las Vegas?
Answer four quick questions. VA and Nevada are already filled in.
Harmony Home Loans is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
Las Vegas office: 4300 West Tropicana Ave, Building A, Suites 110-132, Las Vegas, NV 89103
Page last reviewed 2026-11-11.