USDA Vs. FHA Pro and Con comparison in Cheyenne, Laramie County, WY

In 2026, the USDA loan cap in Cheyenne, county of Laramie, WY, is $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to contrast the best current USDA and FHA rates, and assess the needed income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side-by-side to determine the most suitable program for your financial scenario in .

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2026 Loan Limits and Down Payment Requirements in Cheyenne, Laramie, WY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Cheyenne, WY

Lendersa® aims to quickly secure you the best possible USDA or FHA loan without hassle. Choose from three pathways that lead to corresponding lenders and USDA loan opportunities.

Visual representation of Lendersa USDA loan requests and results

Understanding USDA Loans in WY

The USDA home loan, supported by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is offered solely in rural neighborhoods. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans are available with no down payment needed.

Enter your location to find out if it qualifies for USDA rural housing loan?



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