It depends on your FICO credit score. Do you have or know your FICO score? The USDA has zero down payment mortgage loans in Douglas and Lyon Counties and the Nevada Rural Housing Association has down payment assistance and grant programs, also.
You can also do a lease option where you put a lease option payment down and you do a lease for about 1 - 3 years during which time a portion of your monthly lease payment goes toward the principal. You can also work on building your credit during the lease period so your credit will be good enough to qualify for a mortgage to pay off the owner at the end of the lease period.
If you have any questions, please call me at 775-721-2135 or e-mail me at email@example.com.
Shane Martin, REALTORÂ®, CDPE, SFR
Coldwell Banker Select Real Estate
1657 Hwy 395 N
Minden, NV 89423