Wyoming · Deferred 0% loan

WCDA Home$tretch (Wyoming)

$15,000

Up to $15,000 as 0% deferred second mortgage. No monthly payments. Covers down payment + closing costs.

Wyoming Community Development Authority's Home$tretch program provides up to $15,000 as a deferred second mortgage with no monthly payments. The loan carries 0% interest and is repaid only upon sale, refinance, or transfer.

Wyoming's housing market varies from the relatively affordable Cheyenne and Casper metros to the expensive resort communities of Jackson Hole and Teton County. For most of the state, $15,000 covers the full FHA down payment on a typical home purchase.

Amount$15,000
TypeDeferred 0% loan
Available inWyoming
First-time buyer requiredYes
Minimum credit score620
Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
WCDA Amortizing DPA (Wyoming) Fixed-rate DPA over 10 years
Wyoming · Second mortgage
WCDA Spruce Up (Wyoming) Purchase + rehab combined loan
Wyoming · Renovation loan
Wyoming MCC Up to $2K/year tax credit
Wyoming · Annual tax credit
All Wyoming programs →

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