USDA Loan Vs. FHA loan for Buffalo, WY 2026

For the year 2026, the USDA loan limit for a single-family home in Buffalo, county of Johnson, WY, is established at $336,500. In comparison, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. Determine what income, credit score, reserves, and documentation are necessary for qualifying. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA products, helping decide which program in is optimal for your financial situation.

USDA and FHA Loan Opportunities in Buffalo, WY

The goal of Lendersa® is to facilitate the quickest path to securing the best USDA or FHA loan with ease. Select one of three starting methods, which effectively match you with lenders and USDA programs.

Illustration showing Lendersa USDA loan requests and matching outcomes

Understanding USDA Loans in WY

The USDA home loan, sanctioned by the Department of Agriculture and also recognized as the USDA rural development loan or USDA mortgage, is exclusively for rural neighborhoods. Unlike FHA loans that request a 3.5% minimum down payment, USDA loans require no down payment.

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Buffalo Lenders
(307) 684-5591 Lender's profile and map Buffalo Federal Bank 106 Fort Street, Buffalo, WY, 82834 Lends in Wyoming In the late 1880's and early 1900's several associations were organized to make loans on homes and business property and to accept people's savings. Some of the names of these associations were Home Building and Loan Association, Johnson County Building and Loan Association and Buffalo Building and Loan Association.
(307) 684-2211 Lender's profile and map First Northern Bank of Wyoming 141 S. Main St, Buffalo, WY, 82834 Lends in Wyoming First Northern Bank of Wyoming was founded in 1885 on the bedrock principle that our success would be solely dependent on that of our community and customers. From our origins in a humble, wood frame building with a starting capital of $50, 000, to our continuous growth throughout the last century.
(307) 674-7449 Lender's profile and map Citco Federal Credit Union 502 N Main Street, Sheridan, WY, 82801 Lends in Wyoming Citco Federal Credit Union was established in 1954 as the Sheridan Public Employees Federal Credit Union; charter number 9644. The Sheridan Public Employees Federal Credit Union served: the employees of the City of Sheridan. the employees of the County of Sheridan. the employees of the Public School System.
(307) 674-0464 Lender's profile and map First Federal Bank and Trust 671 Illinois Street, Sheridan, WY, 82801 Lends in Wyoming First Federal’s financial soundness allows us to be a strong partner in ensuring the stability and growth of our community. Since 1935, First Federal has been guided by sound banking principles that have led to protecting our clients’ money and lending to businesses and consumers responsibly.
(307) 672-9656 Lender's profile and map Mortgage Refinance 1448 O’Dell Court, Sheridan, WY, 82801 Lends in Wyoming John O’Dell started O’Dell Construction, Inc. in Sheridan, Wyoming in 1989; two years later, his son Shawn joined him in the business. Over the years, O’Dell Construction has grown into one of the area’s largest general contracting firms, providing service as General Contractor, CMAR (Construction Manager at Risk),
(877) 243-3432 Lender's profile and map Money Source of America 201 E 5th St, Suite 980, Sheridan, WY, 82801 Lends in Wyoming Callaway Financial Group is a direct private money warehouse lending group. A Real Estate Investment Firm that currently holds over 50 million in portfolio real estate holdings. We and our lending group have over a Billion dollars in funding holdings and has been in the making for over 100 years.
(307) 751-2376 Lender's profile and map Cherry Creek Mortgage, LLC 379 Kilbourne St, Sheridan, WY, 82801 Lends in Wyoming We are a full service mortgage banking company. Cherry Creek Mortgage embodies the best of the big and small lenders. By dealing with Fannie Mae, Freddie Mac, and the Wall Street conduits, our customers are offered a variety of loan products and services with the financial backing they can count on.
(307) 655-2291 Lender's profile and map Cowboy State Bank 515 Dayton Street, Ranchester, WY, 82839 Lends in Wyoming Cowboy State Bank Ranchester State Bank was founded in 1912 by Clyde C. Trader from Mountain Park, Colorado, who believed that Ranchester, Wyoming would be a good place to start a small country bank. The doors opened on May 22, 1912, in a small room in front of the Nevees building in Ranchester. From there, the bank continued to prosper and grow ov
(307) 686-3300 Lender's profile and map First National Bank of Gillette 319 S Gillette Ave, Gillette, WY, 82716 Lends in Wyoming First National Bank of Gillette was founded in 1963 by Teno Roncalio and other members of the local business community. In 1965, Raymond Saunders purchased the majority interest in FNB and became Chairman. Today, Raymond’s son, Sam, has taken the reins as President & CEO. Sam ensures the vision of FNB remains