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.

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)
Borrowers must be within the income limits of the program (115% of AMI). See specific County details below.
Borrowers at 80% of AMI and below may qualify for more assistance. Click here for Subsidy Info.

115% AMI Income Limit

County                       Income Limit*                 County                         Income Limit*                
Albany County  $78,545 Natrona County   $85,560
Big Horn County  $73,255 Niobrara County  $70,610
Campbell County $103,960 Park County  $80,155
Carbon County $82,225 Platte County  $67,620
Converse County  $88,205 Sheridan County  $85,675
Crook County $78,315 Sublette County  $102,005
Fremont County $73,370 Sweetwater County         $98,210
Goshen County $65,550 Teton County  $105,110
Hot Springs County       $74,645 Uinta County  $76,245
Johnson County  $75,785 Washakie County  $74,635
Laramie County  $86,825 Weston County  $90,505
Lincoln County  $88,090    

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

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