USDA and FHA Pro and Con in Laramie, Albany County, WY
In 2026, the USDA loan limit for a single-family dwelling in Laramie, located in Albany, WY, is $336,500, whereas the FHA maximum is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA and FHA rates, identifying the income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, enabling you to select the ideal program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Laramie, Albany, 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 Options in Laramie, WY
The goal of Lendersa® is to promptly secure you the most suitable USDA or FHA loan without the hassle. Choose one of three starting options to match with lenders and explore USDA loan offerings.
The USDA home loan, guaranteed by the Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, is specifically available in rural areas. In contrast to FHA loans that necessitate a minimum 3.5% down payment, the USDA loan requires no down payment.
"At StagePoint we are working for you to point the way to a better financial future at each critical stage of your life. Since 1935, StagePoint has been here for hard-working Americans who want a better future. As a trusted financial partner, we know your life has many stages. At each critical stage, our team understands your needs"
The Mortgage Source, Inc. is licensed with experienced professionals available to guide you through the homebuying or refinancing process. It is our mission to provide prompt, professional, and courteous service from start to finish. We will continue to support you even after closing on your home.
ACPE Federal Credit Union has been in the community for almost 54 years and we are still going strong. We have recently expanded our building to better serve our members. We have a friendly staff waiting to help you with any financial needs you may have. Call or stop in today!Credit Union has been in the community for almost 54 years
At UniWyo, we put people first - our members, our colleagues, everyone in our communities. In all we do - even the smallest interactions - we aim to better people's lives.
UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, Xtraordinary Checking, Credit Cards and much more.
2900 Grand Avenue, Suite 13, Aspen Square laramie, WY, 82070
Lends in Wyoming
We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
Colonial is a national provider of banking, home loans and insurance. Founded in 1952, the company has $1 Billion in assets and is privately held by choice to ensure our focus remains on our customers and not the expectations of Wall Street. Colonial is rated “Five Stars – Highly Recommended” as one of the strongest financial institutions
First Education Federal Credit Union has been open since 1947. It's the 11th largest credit union in Wyoming with assets totaling $81.99 Million and providing banking services to more than 6, 000 members as of March 2022.
The credit union is a community-based financial institution. People living, working
WyHy Federal Credit Union was chartered in December 1953 for Wyoming Highway Department employees and their families. Seven members each contributed $5 and the credit union was born... with assets totaling $35. Those founding members believed in the Credit Union philosophy of "People Helping People".
Guild Mortgage has become one of the nation’s leading independent mortgage providers by following a simple rule—doing what’s right for our customers. When you choose Guild, you get: - A commitment closing your loan on time - A wide array of specialized products and programs for every type of homebuyer
