Wyoming down payment assistance, deep-checked against current state program sources.
A current inventory of state-run and state-administered assistance in Wyoming, plus national DPA options. Funding and rate sheets can still change after this review date.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
Quick comparison
| Program | Potential assistance | Published min. FICO | Repayment/Forgiveness | Biggest catch |
|---|---|---|---|---|
| WCDA Home$tretch DPA | Up to $15,000 | 620 | 0% second, no monthly payment; due sale/refi/30-year maturity | Minimum borrower contribution requirement applies; gifts may satisfy it under current rules. |
| WCDA Amortizing DPA | Up to $15,000 | 620 | Fixed-rate fully amortizing second, maximum 10-year term | Unlike Home$tretch, this option carries a monthly second-mortgage payment; current rate sheet controls rate. |
WCDA Home$tretch DPA
WCDA Home$tretch DPA is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: 620
WCDA Amortizing DPA
WCDA Amortizing DPA is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: 620
National programs Wyoming buyers should also check
National Homebuyers Fund
NHF multi-state assistance may be available through participating lenders. Current lender/product terms control credit, pricing, assistance and repayment or forgiveness.
Published minimum FICO: product/lender specific
Chenoa Fund
Chenoa Fund provides FHA down-payment assistance through approved lender partners. Current matrices control credit, pricing and second-mortgage terms.
Published minimum FICO: product/lender specific
Wyoming's biggest DPA lesson
Wyoming has two distinct WCDA DPA structures—Home$tretch deferred 0% and an amortizing Advantage-paired second. V25 now distinguishes the cash-flow difference clearly.
Let Josh compare the available programs.
Send the city/ZIP, purchase price, credit range, household income and first-time-buyer status.