For 2026, the FHA loan limit for a single-family home in Clark County is $541,287. That covers most of the Las Vegas market, where the median single-family price is about $470,000.
FHA loans are popular because the rules are flexible. With a credit score of 580 or higher, you can put down as little as 3.5%. Scores from 500 to 579 may still qualify with 10% down. Gift funds from family can cover the down payment.
There are trade-offs. FHA loans carry an upfront mortgage insurance premium plus a monthly premium. Condos must also be on the FHA-approved list, which is why many Las Vegas condo buyers get stuck.
If the home you want is priced above the limit, a conventional loan may fit better, since the 2026 conforming limit is $832,750.
Ask your lender to check the exact limit for your county each January, since FHA limits are updated every year and can change your options.
The Parent Team keeps an updated list of FHA-approved condos and can tell you in minutes whether your target home qualifies.
Call Derek Parent to compare FHA and conventional side by side.