Wyoming FHA Loan Requirements 2026
2026 FHA loan limits for all 23 Wyoming counties, including the higher Teton and Uinta limits, HUD’s credit and minimum investment rules, how FHA mortgage insurance works, and how FHA pairs with WCDA.
Wyoming FHA Loan Limits by County (2026)
FHA sets its limits by county and by the number of units in the property. In Wyoming, 21 of 23 counties sit at the CY2026 national floor, including the Cheyenne, Casper, Laramie and Gillette areas, and two are set higher.
| County | One Unit | Two Units | Three Units | Four Units |
|---|---|---|---|---|
| Teton (Jackson area) | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Uinta (Evanston area) | $579,600 | $742,000 | $896,900 | $1,114,650 |
| 21 other counties (national floor) | $541,287 | $693,050 | $837,700 | $1,041,125 |
Confirm any county before relying on it at the HUD FHA Mortgage Limits lookup, selecting Limit Type “FHA Forward” and Limit Year CY2026.
Wyoming FHA Loan Requirements
FHA rules are federal, so they do not change between Wyoming and any other state. What changes is the loan limit and the price of the homes you are applying them to.
| Requirement | Standard | Notes |
|---|---|---|
| Minimum required investment | 3.5% of the adjusted value | Required for FHA to insure the maximum mortgage amount |
| Credit score 580 or above | Eligible for maximum financing | Lenders may apply a higher overlay |
| Credit score 500–579 | Maximum 90% loan-to-value | Effectively 10% down |
| Credit score below 500 | Not eligible | HUD minimum decision credit score |
| Mortgage insurance | Required | Both upfront and annual — see below |
| Loan limit | $541,287 for one unit in 21 counties | Up to $1,249,125 in Teton County |
Sources: HUD on the minimum required investment and on minimum decision credit scores.
FHA Mortgage Insurance Premiums (MIP)
Every FHA loan carries two mortgage insurance charges: a one-time upfront premium and an annual premium paid monthly. These are national figures set by HUD, not Wyoming figures.
| Premium | Rate | How It Is Paid |
|---|---|---|
| Upfront (UFMIP) | 1.75% of the base loan amount | One-time premium |
| Annual, base loan up to $726,200, LTV above 95% | 55 basis points | Monthly, for the life of the loan |
| Annual, base loan up to $726,200, LTV above 90% up to 95% | 50 basis points | Monthly, for the life of the loan |
| Annual, base loan up to $726,200, LTV 90% or below | 50 basis points | Monthly, for 11 years |
| Annual, base loan above $726,200, LTV above 95% | 75 basis points | Monthly, for the life of the loan |
| Annual, base loan above $726,200, LTV above 90% up to 95% | 70 basis points | Monthly, for the life of the loan |
| Annual, base loan above $726,200, LTV 90% or below | 70 basis points | Monthly, for 11 years |
These rates apply to loans with a term longer than 15 years. Wyoming’s one-unit FHA limits are below $726,200 everywhere except Teton County; two-unit limits exceed it in Teton and Uinta, and three- and four-unit limits exceed it everywhere. Source: HUD Mortgagee Letter 2023-05.
FHA vs. Conventional in Wyoming
With Wyoming’s conforming limit at $832,750 in 22 counties and $1,249,125 in Teton, conventional financing reaches at least as high as FHA’s one-unit limit everywhere in the state.
| Factor | FHA | Conventional |
|---|---|---|
| Minimum down payment | 3.5% | 3%–20% (practical range) |
| Practical credit threshold | 580 | 620 |
| Mortgage insurance | Upfront plus annual; annual for the life of the loan above 90% LTV | Private mortgage insurance, which can be removed as equity builds |
| 2026 Wyoming limit | $541,287 to $1,249,125 by county | $832,750; $1,249,125 in Teton |
| Best suited to | Thinner credit, limited savings | Stronger credit, or avoiding permanent mortgage insurance |
See our guide on how to remove PMI for how private mortgage insurance ends on a conventional loan.
Combining FHA with WCDA
An FHA loan and the Wyoming Community Development Authority’s programs are not alternatives. WCDA’s First-Time Home Buyer loan accepts FHA financing, and FHA sets the manufactured home standards that loan applies.
| WCDA Program | Works With FHA | What It Adds |
|---|---|---|
| First-Time Home Buyer | Yes — FHA financing is acceptable | Low fixed rate within county purchase price and income limits |
| Spruce Up | Uses the First-Time Home Buyer requirements | Purchase and rehabilitation in one loan |
| Home$tretch DPA | Yes, with the First-Time Home Buyer, Spruce Up or Edge loan | Up to $15,000 at 0%, with no monthly payment |
Pairing FHA with WCDA means meeting both sets of rules: FHA’s minimum investment and credit thresholds, and WCDA’s first-time buyer, purchase price and income limits. Check current terms with the Wyoming Community Development Authority.
