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Wyoming program

Welcome Home Wyoming

Wyoming route through Cheyenne Housing Authority. 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.

Statewide first mortgage with deferred second DPA Check official rules 2026-04-21
Agency Cheyenne Housing Authority
Support type Statewide first mortgage with deferred second DPA
Amount highlight Welcome Home Wyoming offers a 30-year fixed first mortgage plus a deferred second mortgage for down payment assistance up to 4% of the first-mortgage amount.
Last verified 2026-04-21

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Use a participating lender

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Welcome Home Wyoming is a statewide channel even though Cheyenne Housing Authority sponsors it, so the borrower path runs through participating lenders rather than a city-only intake desk.

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

Welcome Home Wyoming offers a 30-year fixed first mortgage plus a deferred second mortgage for down payment assistance up to 4% of the first-mortgage amount.

Type

Statewide first mortgage with deferred second DPA

Repayment

The down payment assistance second mortgage is a 30-year deferred loan at 0% interest with no scheduled monthly payments. Repayment is generally due on maturity or earlier if the home is sold, transferred, refinanced, or the first mortgage is otherwise paid off under program rules.

First-time buyer

Not required

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 homebuyers applying through a participating lender, Borrowers with household income below $138,320, Borrowers with at least a 640 credit score who complete homebuyer education

What support do you get?

Welcome Home Wyoming offers a 30-year fixed first mortgage plus a deferred second mortgage for down payment assistance up to 4% of the first-mortgage amount.

Do you repay it?

The down payment assistance second mortgage is a 30-year deferred loan at 0% interest with no scheduled monthly payments. Repayment is generally due on maturity or earlier if the home is sold, transferred, refinanced, or the first mortgage is otherwise paid off under program rules.

How do you apply?

Apply through a Welcome Home Wyoming participating lender, complete the required homebuyer education, and use an eligible 30-year fixed first mortgage paired with the program's deferred second mortgage.

Official source evidence

Current Welcome Home Wyoming materials say the statewide program offers a 30-year fixed first mortgage paired with a 0% deferred second mortgage up to 4% of the first-mortgage amount, requires a 640 minimum credit score, household income below $138,320, and homebuyer education, and routes borrowers through participating lenders.

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Last verified

2026-04-21

Effective date not captured.

Paid preview

What paid access adds for Welcome Home Wyoming

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Comparison preview

Welcome Home Wyoming

Amount: Welcome Home Wyoming offers a 30-year fixed first mortgage plus a deferred second mortgage for down payment assistance up to 4% of the first-mortgage amount.

Repayment: The down payment assistance second mortgage is a 30-year deferred loan at 0% interest with no scheduled monthly payments. Repayment is generally due on maturity or earlier if the home is sold, transferred, refinanced, or the first mortgage is otherwise paid off under program rules.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • Welcome Home Wyoming requires a participating lender.
  • Welcome Home Wyoming must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

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

Action checklist preview

What you would do next

  • Review the official Welcome Home Wyoming homepage for Welcome Home Wyoming
  • Ask whether your lender is approved for this exact program and loan structure.
Open the full Wyoming board

Paid research preview

What paid research already covers in Wyoming

Paid research already tracks city and county programs for Wyoming.

1 tracked deeper records

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

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What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

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Full state board

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