How much can I afford as a first-time buyer?

Your budget depends on income, debts, credit score, and down payment. Get pre-approved to know your exact number. Dr. Jan works with first-time buyers to find homes in their budget without overextending.

What are closing costs for first-time buyers?

Closing costs typically run 2-5% of the loan amount. They include appraisal, title insurance, and lender fees. Some programs offer closing cost assistance. Dr. Jan explains all costs upfront.

Should I use the listing agent to buy a home?

No. The listing agent represents the seller. You need your own buyer's agent who works exclusively for you. Dr. Jan's services are free—the seller pays her commission. You get advocacy at no cost.

What's the first step to buying my first home?

Get pre-approved with a lender. Then call (702) 744-2993 to schedule a consultation with Dr. Jan Duffy. She'll discuss your needs, timeline, and neighborhoods—with zero pressure.

Walkway leading to a modest two-story home in Providence Las Vegas

Your First Home in Las Vegas Starts Here

Down payment assistance, builder incentives, and step-by-step guidance for first-time Providence buyers.

Call (702) 744-2993 Directions Google Maps Google ReviewsDaily 08:00–20:00

Providence Real Estate | 7181 N Hualapai Way #135, Las Vegas, NV 89166 | (702) 744-2993

Down Payment Assistance Available

Down payment assistance. Builder incentives. Expert guidance every step of the way.

Let's Make Homeownership Happen → (702) 744-2993

Featured Properties in Providence

Discover exceptional homes across all 27 Providence neighborhoods

View All Providence Homes

Kitchen island with house keys and a calculator for Providence home financing

First-Time Buyer Financing Options

3.5%

FHA Loans

Only 3.5% down with credit scores as low as 580

2026 Limit: $498,257

VA Loans

Zero down payment for eligible veterans & military

No PMI required

Conventional

As low as 3% down with good credit (680+)

PMI removable at 20%

Down Payment Help

Nevada programs offer up to $15,000 in assistance

Income limits apply

Best Neighborhoods for First-Time Buyers

North Las Vegas

Best Value

$350K - $450K

Most affordable new construction in the valley. Growing rapidly with new schools, shopping, and infrastructure investments.

New construction from $350K
FHA-friendly pricing
Strong appreciation

Explore North Las Vegas →

Mountains Edge

Great Parks

$380K - $480K

Southwest Las Vegas with the valley's largest park. Great community feel, mountain views, and easy freeway access.

Exploration Peak Park
Mountain views
Parks and recreation nearby

Explore Mountains Edge →

Centennial Hills

Northwest Las Vegas

$398K Median

Northwest Las Vegas near Centennial Hills Hospital. Excellent schools, family parks, and Red Rock Canyon proximity.

Highly-rated schools
Near outdoor recreation
Medical facilities nearby

Explore Centennial Hills →

Newly finished model home exterior in a Providence Las Vegas subdivision

New Construction Incentives

Las Vegas builders are offering incredible incentives that can make new homes more affordable than resale properties. These incentives are available NOW:

Closing Cost Credits

Thousands toward your closing costs

4.99%

Rate Buydowns

Below-market interest rates

$50K

Free Upgrades

Design center credits included

View Builder Incentives →

Rent vs. Buy in Las Vegas

Renting: $1,800/month

• No equity building
• Rent increases each year
• No tax benefits
• Landlord controls your living situation
• After 5 years: $108,000 spent, $0 equity

Buying: $1,900/month*

• Building $600+/month in equity
• Payment stays mostly fixed
• Mortgage interest tax deduction
• Freedom to customize your home
• After 5 years: $36,000+ equity built

*Based on $400K home with 3.5% down, 6.5% rate

Front porch and house keys at a tile-roof home on an HOA street in Providence Las Vegas

First-Time Buyer Timeline

Get Pre-Approved (1-3 days)

We connect you with trusted lenders who specialize in first-time buyers. Know exactly what you can afford before you start looking.

Find Your Home (2-8 weeks)

Dr. Jan shows you homes that fit your budget and wishlist. She'll explain what to look for and help you avoid common first-time buyer mistakes.

Make an Offer & Negotiate (1-5 days)

We craft a competitive offer and negotiate on your behalf. Dr. Jan's experience means you don't overpay and get favorable terms.

Inspections & Due Diligence (10-14 days)

Professional inspections ensure you know exactly what you're buying. We negotiate repairs or credits if issues are found.

Close & Get Your Keys (30-45 days total)

Sign the final paperwork, get your keys, and celebrate! You're officially a homeowner.

Notebook, model house, and glasses on a desk at Providence Real Estate

First-Time Buyer FAQs

Common questions about buying your first home in Las Vegas

FHA (3.5% down), VA (0% down for eligible veterans), conventional (3-20% down), and Nevada down payment assistance programs. Dr. Jan connects you with lenders who specialize in first-time buyer programs.

"Buying your first home is exciting AND overwhelming. My job is to make it less overwhelming. I walk first-time buyers through every step, explain everything in plain English, and make sure you're confident in your decision. As a Berkshire Hathaway HomeServices agent, I have resources and connections that independent agents simply don't have."

— Dr. Jan Duffy, Berkshire Hathaway HomeServices Nevada Properties

House keys and a phone on a patio table overlooking a Las Vegas backyard

Ready to Stop Renting?

Let's talk about your options. Dr. Jan Duffy will help you understand what you can afford and create a plan to make homeownership happen.

Call/Text (702) 744-2993 Schedule Free Consultation

Berkshire Hathaway HomeServices Nevada Properties

Last Updated: September 2026