USDA Vs. FHA Pro and Con comparison in Kemmerer, Lincoln County, WY

In 2025, the USDA loan cap for a single-family home in Kemmerer, situated in Lincoln, WY, is $336,500. Conversely, the FHA cap is $472,030.

With the Lendersa® USDA loan calculator, compare today's premium USDA versus FHA rates to determine the needed income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding in selecting the best program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Kemmerer, Lincoln, WY

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

USDA and FHA Loan Choices in Kemmerer, WY

Lendersa®'s aim is to connect you with the most suitable USDA or FHA loan promptly and without hassle. Choose one of three starting methods to pair with lenders and explore USDA loan programs.

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Understanding USDA Loans in WY

The USDA home loan, assured by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA loans are offered with no down payment.

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



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