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Wyoming program

WCDA Home$tretch and Amortizing DPA

Wyoming route through Wyoming Community Development Authority (WCDA). This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Second-lien DPA family Multiple repayment paths 2026-04-23
Agency Wyoming Community Development Authority (WCDA)
Support type Second-lien DPA family
Amount highlight Current WCDA materials describe two statewide second-lien DPA lanes, each capped at $15,000: the 0% Home$tretch deferred loan and the fixed-rate Amortizing DPA loan.
Last verified 2026-04-23

Use carefully

Keep Home$tretch and Amortizing DPA separate

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The combined WCDA DPA family is detail-safe, but public copy should keep the 0% deferred Home$tretch lane separate from the fixed-rate Amortizing DPA lane.

Source note: Current consumer-facing WCDA materials tie Amortizing DPA to Advantage, while older lender-facing documents still reference HFA Preferred. The public record should treat Advantage as the current borrower-facing path and preserve the older HFA Preferred language as dated context only.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Wyoming program hub if you need the wider state context.

Amount

Current WCDA materials describe two statewide second-lien DPA lanes, each capped at $15,000: the 0% Home$tretch deferred loan and the fixed-rate Amortizing DPA loan.

Type

Second-lien DPA family

Repayment

Home$tretch is a 0% deferred second lien with no monthly payment and a 30-year term, due on sale, transfer, refinance, or maturity. Amortizing DPA is a fixed-rate fully amortizing second lien with monthly payments for up to 120 months and is repayable rather than forgivable.

First-time buyer

Varies

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Wyoming buyers working through a WCDA participating lender and an eligible WCDA first mortgage, First-time homebuyers using the Home$tretch lane, Advantage buyers using the Amortizing DPA lane, with older lender documents still referencing HFA Preferred, Borrowers completing Wyoming Housing Network homebuyer education when required by the selected lane

What support do you get?

Current WCDA materials describe two statewide second-lien DPA lanes, each capped at $15,000: the 0% Home$tretch deferred loan and the fixed-rate Amortizing DPA loan.

Do you repay it?

Home$tretch is a 0% deferred second lien with no monthly payment and a 30-year term, due on sale, transfer, refinance, or maturity. Amortizing DPA is a fixed-rate fully amortizing second lien with monthly payments for up to 120 months and is repayable rather than forgivable.

How do you apply?

Complete Wyoming Housing Network education when required, contact a WCDA participating lender, qualify for the paired WCDA first mortgage, and have the lender close the matching Home$tretch or Amortizing DPA second lien together with the first mortgage.

Official source evidence

Current WCDA materials show Home$tretch and Amortizing DPA remain live statewide second-lien options capped at $15,000, with Home$tretch using a 0% 30-year deferred structure and Amortizing DPA using a repayable fixed-rate monthly-payment structure.

View official source

Last verified

2026-04-23

Interest rates effective 2026-04-23; current WCDA limits PDF posted 2026-03

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Comparison preview

WCDA Home$tretch and Amortizing DPA

Amount: Current WCDA materials describe two statewide second-lien DPA lanes, each capped at $15,000: the 0% Home$tretch deferred loan and the fixed-rate Amortizing DPA loan.

Repayment: Home$tretch is a 0% deferred second lien with no monthly payment and a 30-year term, due on sale, transfer, refinance, or maturity. Amortizing DPA is a fixed-rate fully amortizing second lien with monthly payments for up to 120 months and is repayable rather than forgivable.

First-time buyer: Varies

Risk checks preview

What gets flagged before you call a lender

  • WCDA Home$tretch and Amortizing DPA requires a participating lender.
  • WCDA Home$tretch and Amortizing DPA must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate WCDA Home$tretch and Amortizing DPA for this household and loan setup?
  • Which first-mortgage product must be paired with WCDA Home$tretch and Amortizing DPA, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official WCDA Homebuyers for WCDA Home$tretch and Amortizing DPA
  • Ask whether your lender is approved for this exact program and loan structure.
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