conventionalhomeloans.services

Looking for conventional loans? Visit our conventional site: conventionalhomeloans.services/reno-nv/ →

(702) 696-9900Check Rate
QUICK ANSWER — conventional loans in Reno NV: 620+ credit for 5-20% down. Washoe County conventional limit is $532,900. Median home price $485K means $16,975 down. Nevada has no state income tax. Valley West Mortgage. NMLS #65506.
Reviewed by Vatche Saatdjian·NMLS #65506

Conventional Loans Reno, NV

Washoe County conventional limit $532,900. Median home $485K. 5-20% down = $16,975. Valley West is licensed in Nevada.

Check What You Qualify For →(702) 696-9900
790+
Five-Star Reviews
3.5%
Min Down
50+
Lenders
28
Days Avg
RENO FHA

Reno conventional Quick Facts

Conventional limit: $532,900
Median home: $485,000
Min down (3.5%): $16,975
Property tax: ~0.84%
State income tax: $0
Population: 280,000+
NEIGHBORHOODS

Popular Reno Conventional Areas

South Reno
$520K

Near conventional limit, top schools

Sparks
$420K

Affordable, growing fast

Midtown
$460K

Walkable, restaurants, culture

Sun Valley
$350K

Most affordable in Washoe

Premium home interior
FAQ

Questions? Answered.

The 2026 conventional limit for Washoe County (Reno/Sparks) is $532,900 for a single-family home.

Yes. The median of $485K is well under the $532,900 limit. No state income tax. Growing tech economy with Tesla, Apple, and Google nearby.

Yes. Sparks is in Washoe County with the same $532,900 limit. The $420K median makes conventional very accessible.

Yes. Valley West Mortgage is licensed in Nevada and serves all of Washoe County including Reno, Sparks, and Sun Valley.

Washoe County property taxes average about 0.84% of assessed value — roughly $4,074/year on a $485K home.

Join 147 who applied this week
See what you qualify for

Get your personalized conventional rate in 60 seconds.

Get Your Free Quote →
WHY US
The Valley West Difference
50+
Lenders competing for your loan.
$0
Application + processing fees.
28
Average days to close.
4.9★
790+ five-star reviews.
REVIEWS

What Homebuyers Say

★★★★★

"Put 20% down, no PMI. Valley West got me 0.25% lower than my bank."

— Las Vegas
★★★★★

"Shopped 50+ lenders. Zero fees. Closed in 25 days."

— Henderson
★★★★★

"Refinanced from FHA to conventional. Saving $350/month."

— North Las Vegas

Ready to buy in Reno?

See what you qualify for in 60 seconds.

Start Your conventional Application →

Conventional Resources

→ Requirements→ Rates→ Calculator→ Compare All
conventional rates from 5.750%
(702) 696-9900Check Conventional Rate