The Clark County Affordable Homeownership Program (CCAHP) has a process that all potential homebuyers will follow on their homeownership journey. This program follows a comprehensive five-step process to ensure a smooth and informed journey for each participant. You will embark on the exciting process of finding and purchasing your home, turning your homeownership dream into a reality!
There are five steps for program participants to complete to become a homeowner:
STEP 1: Determine if you qualify for the program
First, potential homebuyers should determine if they meet the financial qualifications for the program. This means your household’s annual income must fall between the minimum and maximum limits outlined below.
| Household Size | 1 Person | 2 People | 3 People | 4 People | 5 People | 6 People | 7 People | 8 People |
|---|---|---|---|---|---|---|---|---|
| Minimum Income Limit* | $28,910 | $33,040 | $37,170 | $41,300 | $44,625 | $47,915 | $51,240 | $54,530 |
| Maximum Income Limit | $63,150 | $72,200 | $81,200 | $90,200 | $97,450 | $104,650 | $111,850 | $119,100 |
*Please be aware that meeting the minimum income level does not guarantee eligibility for a home priced at the median level in Clark County.
STEP 2: Complete a questionnaire
After you determine if you qualify for the program, please complete a readiness questionnaire. The questionnaire will determine if you are mortgage ready or require pre-purchasing counseling to become mortgage ready. Fill out our “Interest Questionnaire” to find out if you qualify!
STEP 3: Mortgage readiness
If you are mortgage ready, you will proceed to Step 4 and connect with one of the program’s nonprofit partners. If you are not mortgage ready, you will move to step 3 ½ and work with Save First Financial Wellness to become mortgage ready.
STEP 3 1/2: Prepurchase counseling
Save First Financial Wellness will provide both financial and homeownership counseling. This step will vary for each participant based on their current financial situation. Save First will work with you to become homebuyer ready, which may include improving credit, increasing income and building savings. This step could take a few months to over a year depending on your financial situation.
STEP 4: Choose a nonprofit partner
CCAHP has partnered with local nonprofit organizations that will work with homebuyers to access down payment assistance to assist with purchasing a home. Each nonprofit has different opportunities. Program participants will need to determine which nonprofit partner best suits their homeownership goals. To learn more about the nonprofit partners please visit their websites.
STEP 5: Find a home
The final step is to get matched with a home in the program or to find an existing home in the open market to purchase. Program partners are working with developers in the community to construct new homes for the program. However, program participants are not limited to these homes. Participants are free to work with the nonprofit partner to shop the open market and still access down payment assistance.
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