Wyoming homebuyers can access up to $15,000 in down payment assistance through the Wyoming Community Development Authority (WCDA). On the state's $352,400 median home price, that covers roughly 21% of a standard 20% down payment.
Primary Program: WCDA Down Payment Assistance
maximum assistance
0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
- Administering Agency
- Wyoming Community Development Authority (WCDA)
- Purchase Price Cap
- $481,176
How Down Payment Assistance Works
Most state DPA programs are layered on top of a first mortgage — you apply through an approved lender who originates both the primary loan and the DPA second lien at the same closing. The DPA funds reduce the cash you need upfront.
Grants
Free money — no repayment ever. Typically the smallest amounts but highest value.
Forgivable Loans
Balance forgiven after a set period (usually 3–15 years) if you stay in the home. Selling early triggers repayment.
Deferred Loans
No monthly payments. Balance due when you sell, refinance, or pay off your mortgage.
Down Payment Calculator
Down Payment Planner
Wyoming median pre-loaded
Your Savings Plan
Timeline
11.8 yrs
saving $500/mo
No PMI at 20% down
20% or more avoids private mortgage insurance entirely.
Estimate only — does not include investment returns on savings.
Full Calculator →Frequently Asked Questions
What down payment assistance is available in Wyoming?
Wyoming's primary DPA program is the WCDA Down Payment Assistance, administered by the Wyoming Community Development Authority (WCDA). It provides up to $15,000 as a deferred loan. 0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
How much down payment do I need in Wyoming after using DPA?
On a $352,400 home (Wyoming median), a 20% down payment is $70,480. With the WCDA Down Payment Assistance covering $15,000, your remaining gap would be $55,480. Many buyers combine DPA with a 3–5% conventional or FHA loan to reduce their cash needed further.
Do I have to repay Wyoming down payment assistance?
0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
Can I combine Wyoming DPA with other assistance programs?
Yes — Wyoming's DPA programs can generally be combined ("stacked") with local city and county assistance programs, employer homebuyer benefits, and federal programs. Check with an approved lender or HUD-approved counselor to identify all programs you qualify for.
What are the income limits for Wyoming down payment assistance?
The WCDA Down Payment Assistance uses a dollar-based income limit rather than a percentage of AMI. Check the Wyoming Community Development Authority (WCDA) website for current limits in your area.
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