FHA Vs. USDA loan program for Torrington, Goshen County, Wyoming

In 2026, for a single-family home in Torrington, within the county of Goshen, WY, the USDA loan limit is defined at $336,500, while the FHA maximum is $472,030.

Benefit from the Lendersa® USDA loan calculator to assess current USDA versus FHA rates, identifying what income, credit levels, reserves, and documents you need to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the program that best matches your financial needs in .

Options for USDA and FHA Loans in Torrington, WY

The mission of Lendersa® is to source the optimal USDA or FHA loan quickly and hassle-free. Choose from three entry points to match with lenders and discover USDA loan offerings.

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Understanding USDA Loans in WY

The USDA home loan, guaranteed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment.

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Torrington Lenders
(307) 532-2181 Lender's profile and map Pinnacle Bank – Wyoming 2000 Main Street, Torrington, WY, 82240 Lends in Wyoming Pinnacle Bank is a Dinsdale family-owned banking organization that began in 1938. Our Wyoming roots stretch way back to the early 1900s with banks throughout agricultural communities in the state. In 1972, we joined Pinnacle Bancorp. Now we serve families and businesses from the hot springs of Thermopolis to the edge of the Black Hills in Newcastle
(307) 322-5222 Lender's profile and map First State Bank 1405 Sixteenth Street, Wheatland, WY, 82201 Lends in Wyoming First State Bank is a hometown bank staffed with your neighbors and friends, who are committed to providing you with quality, professional, hometown service. Being a hometown bank means local management and local decision making. We are proud of the communities we serve and are committed to supporting and being involved with them.
(307) 432-7400 Lender's profile and map First Education Federal Credit Union 120 West Carlson Street, Cheyenne, WY, 82009 Lends in Wyoming 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
(307) 638-4200 Lender's profile and map WyHy Federal Credit Union 1715 Stillwater Avenue, Cheyenne, WY, 82009 Lends in Wyoming 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".
(402) 290-7794 Lender's profile and map Guild Mortgage Company 7124 Commons Drive, Unit 3, Cheyenne, WY, 82009 Lends in Wyoming 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