Wyoming · Increase your buying power

Increase your buying power in Wyoming

7 homebuyer assistance programs in Wyoming put grants, forgivable loans and special mortgages toward your down payment and closing costs, so your budget goes further. Add creative financing like seller credits and rate buydowns, and it stretches even more.

Wyoming at a glance
4
programs available anywhere in Wyoming, whatever the address
$15,000
median award across 2 programs with a dollar cap
0%
never repaid if you meet the terms (0 grants and forgivable loans)
4
multi-state programs from banks, credit unions and FHLBanks also open here
See which ones fit you
What the data shows

What 7 programs tell us about buying in Wyoming

01

WCDA is the main door

Wyoming Community Development Authority offers up to $15,000 in down payment help, either deferred at 0% until you sell or repaid over 10 years.

02

Zero-interest help statewide

Welcome Home Wyoming pairs a first mortgage with up to 4% of the loan as a 30-year, 0% second mortgage.

03

Teton County is its own market

Jackson and Teton County run below-market workforce homes and a deed-restriction program that can put up to $200,000 toward a purchase.

How the help arrives · 7 programs

3 deferred or repayable loans
2 special mortgages and rate help
2 other paths: shared equity, savings match, below-market homes

Award sizes · grants and loans with a dollar cap

$10K to $24,999
2

1 more pays a percentage of the price or loan, which scales with the home you buy. Your award depends on income, price and location.

Who runs them

State agency
3 City or county
3 Nonprofit
1

4 programs are available statewide. 3 are limited to a city, county or region, so the address you buy at changes what you can get.

More programs, more buying power. Most buyers qualify for more than one. The Wallet Wizard checks income limits, price caps and location rules across all 7 Wyoming programs and 4 multi-state programs at once, and shows where creative financing like seller credits can stack on top.

Check my eligibility
Programs to know

Programs to know in Wyoming

A few of the 7 programs we track, chosen for reach, award size and terms. Amounts are program maximums; what you receive depends on income, price and location.

Deferred loan Statewide
$15,000

Home$tretch DPA Loan

Wyoming Community Development Authority

Up to $15,000 at 0% for down payment and closing costs, within WCDA income and price limits.

Repayment: No monthly payments; due when you sell, refinance or at 30-year maturity.
Check your eligibility
Repayable 2nd loan Statewide
$15,000

Amortizing DPA Loan

Wyoming Community Development Authority

Up to $15,000 toward down payment and closing costs.

Repayment: Repaid monthly over up to 10 years.
Check your eligibility
Repayable 2nd loan Statewide
4% of loan

Welcome Home Wyoming Program

Welcome Home Wyoming

Down payment help paired with a first mortgage, within program income limits.

Repayment: 30-year second mortgage at 0% interest.
Check your eligibility
Special mortgage Statewide
Varies

Spruce Up

Wyoming Community Development Authority

Rolls the purchase and renovation costs into one 30-year loan.

Repayment: 30-year financing.
Check your eligibility
Deed restriction Teton County
$200,000

Housing Preservation Program

Jackson/Teton County

Up to $200,000 toward a purchase in exchange for placing a workforce deed restriction on the home.

Repayment: Terms set by the Housing Department.
Check your eligibility
Below-market home Teton County
Below-market price

Workforce Housing Program

Jackson/Teton County

Below-market homes for people who work in Teton County, with no income or asset limits.

Repayment: Resale is restricted to keep the home affordable.
Check your eligibility
Multi-state programs

4 multi-state programs also serve Wyoming

Offered by banks, credit unions and Federal Home Loan Banks in several states at once. Most are tied to that lender's own mortgage, so the lender you choose decides whether you can use them. The Wallet Wizard shows which ones you can pair.

$25,000

FHLBank Des Moines Home$tart

Forgivable loan · 13 states Check eligibility
$25,000

FHLBank Des Moines Native American Homeownership Initiative

Forgivable loan · 13 states Check eligibility
$3,000

Zions Bank Affordable Home Mortgage Loan

Grant · 3 states Check eligibility

These are 3 of the 4 multi-state programs open to Wyoming buyers. See which ones you qualify for

For homebuyers

See how much more home you can afford in Wyoming

  1. 1
    Answer a few questions in the Wallet WizardWhere you want to buy, household size, income range, job and military status.
  2. 2
    Get matched against every program we trackIncome limits, price caps, location rules and repayment terms, checked for you.
  3. 3
    Work with a pro who knows creative financingAgents and loan officers on Homebuyer Wallet see the same matches you do, and can layer in seller credits, lender credits and rate buydowns.
For agents, loan officers and MLSs

Every Wyoming program, matched to your buyer in seconds

Homebuyer Wallet gives professionals the full program record: income tables, price caps, approved lenders, provider contacts and application steps. Close the deals that stall on cash to close.

Wyoming homebuyer assistance FAQ

How much down payment assistance can I get in Wyoming?

It depends on where you buy and your household income. Among the 2 Wyoming programs we track that publish a dollar cap, the median award is $15,000. Others pay a percentage of the price or loan. The Wallet Wizard shows the amounts you could get for the home you want.

How do these programs increase my buying power?

Assistance covers part of your down payment or closing costs, or lowers your rate, so less of your own cash goes in upfront. The same savings and income can then support a higher purchase price or a lower monthly payment. Many buyers stack a statewide program with a local one to stretch further.

Can I combine these programs with seller credits or other creative financing?

Usually, yes. Seller credits toward closing costs, lender credits and rate buydowns can often be used alongside assistance programs, within your loan’s limits. The Wallet Wizard shows what fits together, and Homebuyer Wallet agents and loan officers can help you structure it.

Do I have to pay the assistance back?

0 of the 7 active programs (0%) are grants or forgivable loans: you repay nothing if you keep the home as your primary residence for the required period. 3 more are deferred or repayable second loans, due when you sell, refinance or move out, or paid monthly.

Do I need to be a first-time homebuyer?

Not always. Many Wyoming programs are open to repeat buyers, and most first-time rules count anyone who has not owned a home in the past three years. The Wallet Wizard checks each program’s ownership rule for you.

Can I combine more than one program?

Sometimes. Wyoming has 4 programs available statewide and 3 limited to a city, county or region. Many local programs are built to layer on top of a statewide loan; others prohibit stacking. Your lender confirms what combines with your first mortgage.

How do I find out which programs I qualify for?

Answer a few questions in the Wallet Wizard: where you want to buy, household size, income range and job. It checks income limits, price caps, location rules and funding status across every program we track in Wyoming, plus multi-state and national programs, and shows the ones that fit.

How current is this information?

Our team reviews every program against the provider’s own materials on a rolling basis. Funding opens and closes often; the Wallet Wizard shows each program’s current status.

Still have questions about your situation?Check your eligibility