home Buyer Information

There is no first-time homebuyer requirement in this program.
  • Regarding non-permanent residents, Lenders should follow Agency (FHA, VA, RD & Freddie Mac) guidelines
  • Applicants must be considered irrespective of sex, age, race, color, religion or national origin

properties eligible for loans include

  • New or existing residential, one-two units, detached, condominiums or townhomes.
  • Eligible properties may be restricted when using conventional loans.

eligible area

State of Wyoming

Purchase price limits

There are NO purchase price limits in this program

homebuyer education requirement

All borrowers (any primary borrower on the Note/Warranty Deed) must complete a homebuyer education course.

Courses are available online or in-person. The ONLY approved online course is offered by MGIC: https://homebuyers.mgic.com
Eligible providers of homebuyer education can be provided by an approved Welcome Home Wyoming lender.


This program is intended for the financing of new mortgage loans. Refinancing of existing mortgage loans is not permitted at this time.


Buyers must have a minimum FICO credit score. of 640. The maximum DTI (debt-to-income ratio) must not exceed 45%. Ask a qualified lender if you qualify.

The program allows manual underwriting and underwriters must follow US Bank and Agency guidelines for the product (FHA,VA,RD, etc.)

Consult an approved Welcome Home Wyoming lender for details.

Income Limits*

County                       Income Limit                 County                         Income Limit                
Albany County  $80,155 Natrona County   $84,410
Big Horn County  $73,025 Niobrara County  $67,275
Campbell County $100,050 Park County  $76,475
Carbon County $77,165 Platte County  $73,830
Converse County  $88,780 Sheridan County  $79,925
Crook County $71,875 Sublette County  $101,315
Fremont County $71,300 Sweetwater County         $96,255
Goshen County $61,295 Teton County  $98,670
Hot Springs County       $66,470 Uinta County  $86,250
Johnson County  $74,750 Washakie County  $76,245
Laramie County  $94,875 Weston County  $87,975
Lincoln County  $84,410    

* Income limits are the same for all family sizes within the County. Always refer to program guidelines when reserving loans.

Financing Facts

The following mortgage products are offered in this program: FHA, VA, USDA: RD and conventional loans.

Reserving a Loan

Interested borrowers must contact a Participating Lender to apply for the loan. The lender will verify the current mortgage rate. When you visit the lender to make application, it may be important that you have the following information:

List of all outstanding debts and credit cards, including account information, unpaid balance and monthly payments Name and address of employer(s) Copy of your most recent pay stub(s)
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