wcda’s standard home buyer program:
For first-time home buyers with low and moderate incomes who are purchasing a home within the state of Wyoming. WCDA mortgages are originated across the state by participating lenders. A WCDA mortgage offers qualifying home buyers a below market interest rate loan and down payment assistance.
you may be eligible for a wcda loan if:
- You buy a home in Wyoming
- You are a first-time home buyer or have not owned a home, as a principal residence, during the last three years.
. - Your total annual household income is at or below the income limits.
- You are purchasing a home that is below the WCDA purchase price limits by county.
- You are a reasonable credit risk
- You are getting a first mortgage on the residence. (No refinancing is allowed except under the Qualified Rehabilitation Loan Program or Spruce Up Wyoming II program.
- You are buying the home as your principal residence.
- You do not intend to use the residence in a trade or business
wcda mortgages provide:
- Thirty-year mortgages at below market interest rates.
- Second mortgages which provide funds for a portion of the down payment and closing costs.
loan application: | 
view or print loan application here | 
download loan application here