PAYDAY 3: OVERKILL Stealth Build (2026)

Steam Community guide by Your Operator.

Basic Overview

Throughout the sections I will show you how to make the build! With all weapons, armor, and throwables!

Weapons!

Any weapon can work for a stealth build! as long as it has a suppressor, but this is what i use!

Spearfish: Vented Rail Guard, CQ Slant Stock, Artisan Grip, Cylindric Suppressor, and Quick Hold Grip

Jacknife: Shock Panel, Extended Mag, Obelisk Suppressor, and Trench Iron Sights

The Interceptor is required for this build due to being the only stealth overkill weapon (duh)

Depolyable & Tools!

Your deployable does NOT matter, you will not be using it

Trip lasers are useful for seeing where the guards are through the walls, especially the lead guard

Micro Cams can be good aswell if you wanna put it on the back of the lead guard and see him through a wall at all times!

The throwing knife is pretty much required for a good stealth build! (you can kill guards unmasked with it with certain skills)

Armor!

The Medtech frame is pretty good for movement speed! pretty useful for stealth! doesn't really matter what plate you use, i use impact

Skills: Soldier!

Now for the most important part! The Skills! We have to grab some unimportant skills to get some of the important ones

Extra Protection: For every skill equipped in the Juggernaut branch, gain 1% damage reduction to armor plates. Total damage reduction cannot exceed 80%.
Rifleman: For every skill equipped in the Commando branch, Assault Rifles and LMGs gain an additional 0.1 Armor Penetration. Each enemy wears a set number of armor layers. If your Armor Penetration is equal to or higher than that number, attacks damage their health directly. If not, attacks damage their armor layers.
Head Guard: Headshot kills reduce Armor Regeneration time by 0.2 seconds.
Focus Fire: Each hit with an Assault Rifle or LMG boosts your accuracy by 2%, while each miss decreases it by 2%. This accuracy modifier resets when you reload or swap weapons.
Stockpile Assule: Carry 30% more Assault Rifle and LMG reserve ammo.
We needed those 3 skills in Commando so we can get Beast Of Burden Aced
Beast Of Burden Aced: You no longer suffer a movement penalty while carrying 2 bags.
This will not negate movement penalties from heavy bags.

Skills: Ninja!

Dodge This Aced: Standing still for 2 seconds increases your Dodge chance by 1.5% for every skill equipped in the Ghost branch, Once activated, this boost gradually drops back to 0%, over a period of 3 seconds.
Judo Chop Aced: Quick melee an unalerted guard to kill them instantly, Guards must examine your victims closely before they realize a murder has taken place.
Locksmith Aced: While lockpicking, successful inputs fill the progress bar 50% higher, Perform a quick melee to unlock doors and lockers. This ability only works on locks that can be picked. If you melee a breachable door, it will unlock instead of breaking
and Stockpile SMG, just gives 30% more reserve ammo, needed to unlock Locksmith in the Ghost Tree

Skills: Hacker!

Playback Aced: Gain 1 Runtime to spend on Black Hat operations. Spend 1 to make a hacked security camera loop its footage for 10 seconds, stopping it from detecting your crew. Looping camera footage is now permanent. If a looped camera is destroyed, the Runtime you spent will be refunded.
Security Expect Aced: Spend 1 Runtime to make a hacked camera automatically mark all guards or law enforcement within range. Targets stay marked for 12 seconds after leaving the Camera's field of view. Hack drones by spending 1 Runtime. Once a hack wears off, the Runtime you spent will be refunded. Stealth drones stop moving and go blind for 15 seconds. Combat drones fight on your side for 15 seconds, then self-destruct.
Pump The Jam: Active ECM Jammers mark cameras, FBI vans, and all Special-type enemies for your crew.
Radio Star Aced: Hack a guard’s radio to cause a distraction. The distracted guard will pause any action for 10 seconds. When the disturbance passes, the guard will return to their normal routine. You must keep a line of sight on the guard to hack their radio. This ability has a cooldown of 20 seconds

Skills: Conman!

Knife Expert: If your starting loadout contains Throwing Knives, receive 1 additional knife for every skill equipped in the Cutthroat branch.
Adrenaline Junkie Aced: For every skill equipped in the Imposter branch, all Adrenaline you gain increases by 5%, If you have no Adrenaline while at full health, walking unmasked within 1 meter of a civilian will give you 20 Adrenaline.
Thrill Seeker Aced: While you are unmasked, your Adrenaline no longer decreases, If you are unmasked and have Adrenaline, you will move faster.
Plain Sight Aced: Cameras detect you 35% slower in Private areas while unmasked, and Employees detect you 35% slower in Secure areas while unmasked.
Strong-Armed Aced: You can use throwables while unmasked. This is considered an illegal action, and reduce the movement penalty from carrying heavy bags and items.
Hall Pass Aced: While you are unmasked, cameras will not detect you performing illegal actions, Employees will not detect you performing illegal actions while you are unmasked.

Finale!

and that's it! i hope you guys have fun with this build! again, I'm not a stealth player, so i hope its good for you guys!

My Other Guides!

https://steamcommunity.com/sharedfiles/filedetails/?id=3759772176
https://steamcommunity.com/sharedfiles/filedetails/?id=3735973194
https://steamcommunity.com/sharedfiles/filedetails/?id=3797553262
https://steamcommunity.com/sharedfiles/filedetails/?id=3803767830
https://steamcommunity.com/sharedfiles/filedetails/?id=3814338055