Down payment assistance

Down payment assistance in Wyoming

1 program can help buyers in Wyoming with a down payment and closing costs. Most are for first-time buyers with moderate incomes and are used with a participating lender.

Check which programs fit your situationDown payment assistance finder

Home$tretch Down Payment Assistance

Open · Deferred loan

Up to $15,000

A 0% interest second mortgage with no monthly payments, used with WCDA's First-time Homebuyer, Spruce Up and Edge first mortgages. It is not forgiven: it is due on sale, refinance or at 30-year maturity. Buyers using WCDA's Advantage first mortgage instead get the Amortizing DPA, which has a fixed rate and monthly payments over up to 10 years.

Who qualifies: Minimum credit score 620. Minimum $1,500 borrower contribution (may be a gift). Maximum DTI 45% when using DPA. Income limits apply per the first mortgage product (qualifying income). First-time homebuyer education required for first-time buyers.

Wyoming Community Development Authority · Agency website → · Checked 2026-09-30

How assistance usually works

Most programs are a second loan with no monthly payment that is forgiven over time or repaid when you sell or refinance, and some are grants. You usually need a program first mortgage from a participating lender, a homebuyer education course and income under the program’s limit. Apply before you make offers, so your pre-approval reflects the help.

More for Wyoming

Wyoming closing costs Wyoming property taxes Where can I afford to buy in Wyoming?Down payment timeline

Programs change often; confirm the details with the agency.