Wyoming first-time home buyer programs
Wyoming Community Development Authority lists 2 programs that help buyers in Wyoming with the down payment or closing costs. Amounts and terms are shown as the agency publishes them.
- Programs from the agency
- 2
- Biggest amount listed
- $15,000
- First-time buyers only
- 1 of 2 programs
- Income caps
- Set per program
Down payment assistance programs in Wyoming
| Program | Amount | Grant or loan | Income limit | First-time buyers only |
|---|---|---|---|---|
| Home$tretch DPA Loan Product. With a WCDA First-time Homebuyer, Spruce Up, or Edge loan; credit score 620+. | Up to $15,000 | Deferred loan: 0% loan with no monthly payments. You repay it when you sell, refinance or reach the end of its 30 years. | Same as the agency's main home loan: varies by county and household size. Agency income chart | Yes, with exceptions |
| Amortizing DPA Loan Product. With the agency's Advantage loan; credit score 620+; price limit no purchase price limit (Advantage first mortgage). | Up to $15,000 | Repayable loan: Fixed-rate loan repaid with low monthly payments over at most 10 years. | Your income must be at or below the agency's limits for its Advantage loan. | No |
Usually, "first-time buyers only" means you haven't owned a home during the past three years, though every program sets a rule of its own. The name of each program links to a Wyoming Community Development Authority page that says whether applications are open right now. The agency also maintains its own list of participating lenders. Compare down payment assistance programs across all states, or ask a lender that works with Wyoming's programs.
How do you repay Wyoming's programs?
- Deferred loan: nothing to pay each month, but the full amount comes due when you sell, refinance or pay the first mortgage off.
- Repayable loan: a small second mortgage you pay back monthly, usually along with your first mortgage payment.
How does your income compare with Wyoming's caps?
Every program has its own income cap, which the table shows, and the exact chart is on that program's agency page. Use the HUD income limits lookup (FY2026) to find the figure for your county and household size. If a program relies on its own county chart or Freddie Mac's, the result can differ from HUD's number, and the agency's chart decides.
| HUD area | Median family income | HUD low-income limit |
|---|---|---|
| Cheyenne | $104,400 | $83,500 |
| Casper | $99,500 | $79,600 |
Talk to a lender that works with Wyoming programs
These programs are paid out through the agency's approved lenders, so the lender is your next step. Tell us where you're buying and a lender that works with Wyoming's programs can explain which ones fit you.
Rather not call? Send your details and the lender will reach you.
Are you buying near a state border?
Colorado, Idaho, Montana, Nebraska, South Dakota, Utah or programs for all 50 states plus DC.