Wyoming Down Payment Assistance
Wyoming Down Payment Assistance Programs
A guide to current down payment assistance options in Wyoming, including the state Housing Finance Agency, well-known city and county programs, and live DPA mortgage pricing for Wyoming homebuyers.
Wyoming Housing Finance Agency
Wyoming Community Development Authority (WCDA)
www.wyomingcda.com307-265-5102
WCDA administers the primary DPA programs for Wyoming. Program details below are current as of April 23, 2026 - confirm current terms directly with WCDA before applying.
Statewide DPA Programs in Wyoming
Standard First-Time Homebuyer Program
WCDA
30-year fixed-rate first mortgage at a below-market rate for income-qualified first-time homebuyers; foundational product eligible to pair with Home$tretch DPA.
Paired with: FHA, VA, USDA, Conventional
- First-time homebuyer: Required
- Primary residence only
- Minimum FICO: 620
- Income: WCDA Standard Program income and purchase price limits apply (county-based).
- Homebuyer education required
First-time homebuyer defined as no ownership interest in a primary residence in the last three years; waived in WCDA-designated targeted areas.
Source: www.wyomingcda.com
HFA Preferred
WCDA
30-year fixed-rate conventional first mortgage with reduced mortgage insurance for both first-time and repeat buyers; eligible to pair with Home$tretch DPA.
Paired with: Conventional
- First-time homebuyer: Not required
- Primary residence only
- Minimum FICO: 620
- Income: WCDA HFA Preferred income limits apply.
- Homebuyer education required
Not restricted to first-time homebuyers. Product based on the federal HFA Preferred framework.
Source: www.wyomingcda.com
Spruce Up
WCDA
Single-close purchase-and-rehabilitation first mortgage that finances the home purchase and renovation costs together; reduces closing costs relative to separate bridge or construction loans.
Paired with: FHA, VA, USDA, Conventional
- Primary residence only
- Minimum FICO: 620
- Homebuyer education required
WCDA program rules follow the underlying loan type (FHA 203(k), VA, USDA, or conventional renovation standards).
Source: www.wyomingcda.com
Home$tretch Down Payment Assistance
WCDA
Up to $10,000 as a 0% interest second mortgage with no monthly payments; repayment deferred until sale, refinance, or payoff of the first mortgage (or after 30 years).
Paired with: FHA, VA, USDA, Conventional
- Primary residence only
- Minimum FICO: 620
- Homebuyer education required
Must be paired with a WCDA first mortgage. Minimum $1,500 borrower contribution required. Funds may be applied to down payment, closing costs, and prepaids.
Source: www.wyomingcda.com
Wyoming Notes for Homebuyers
- Wyoming uses mortgages with non-judicial power-of-sale foreclosure; title companies typically handle closings.
- WCDA requires homebuyer education through a WCDA-approved provider for all program loans.
2026 Loan Limits in Wyoming
Conforming (Conventional)
$806,500 baseline
Some Wyoming counties qualify as high-cost, with limits up to $1,209,750.
FHA
$524,225 floor
Higher-cost Wyoming counties can reach the FHA ceiling of $1,209,750.
Live DPA Pricing for Wyoming
Pricing below is sourced live from hundreds of wholesale lenders for a Wyoming scenario. Edit the inputs to match your situation.
FHA Down Payment Assistance
Up to 5% assistance; repayable second at first rate + 2% over 10 years
▸Program details
- ✓Minimum credit score: 580
- ✓Non-traditional credit also possible
- ✓Assistance up to 2.5%, 3.5%, or 5% of the lesser of purchase price or appraised value
- ✓Assistance can be used for down payment, closing costs, or both
- ✓Second lien: 10-year fixed, repayable
- ✓Second lien rate is 2% higher than the first mortgage rate
- ✓No first-time homebuyer requirement
- ✓No income cap
- ✓Purchase of primary residence only
- ✓Eligible properties: 1-unit residences, PUD, 2-4 units, FHA-approved condos, manufactured (single/double-wide)
- ✓DTI per AUS and FHA manual underwriting guidelines
- ✓First lien: FHA 30-year fixed
Assistance amount
Compare DPA options for Wyoming with live pricing
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