$0 Down · No PMI · Veteran-Owned
VA Loans in Wyoming
Wyoming has America's smallest population but one of its highest veteran shares — roughly 47,000 veterans — anchored by F.E. Warren Air Force Base in Cheyenne, one of the nation's three ICBM wings and among the oldest continuously active military posts in the country.
45K
Wyoming Veterans
2
Military Installations
$0
Down Payment
$832,750
2026 Baseline Limit
Why Wyoming
A VA team that knows Wyoming’s military markets
With no state income tax, some of the lowest property taxes in the nation, and Cheyenne price points below the national median, Wyoming quietly assembles one of the friendliest total cost-of-ownership pictures a veteran buyer can find — fully covered by $0-down VA financing.
F.E. Warren's missile wing and its security forces sustain Cheyenne's housing market, with missileers and defenders buying across the city and in Ranchettes. Camp Guernsey trains Guard units in the east, while Casper and Laramie hold the state's other significant veteran populations.
Beyond the Loan
More Wyoming benefits you earned
The VA loan is one piece of what Wyoming owes its veterans. Here’s the rest of the stack — worth real money every year:
Income Tax
No state income tax
Wyoming taxes no income at all — and its property taxes are among the nation's lowest.
Recreation
Licenses & parks
Free or reduced-fee hunting/fishing licenses for qualifying disabled resident veterans; state park day-use accommodations.
Vehicle
Plates
Veteran and DV plates (including free options for qualifying disabled veterans and Purple Heart recipients).
Education
Tuition assistance
Free tuition at the University of Wyoming and community colleges for qualifying overseas combat veterans and surviving dependents.
Benefit rules and amounts change with each legislative session — confirm current details with the Wyoming Veterans Commission. When you work with us, we walk through which of these apply to your purchase and your budget.
Official VA Data
Wyoming VA lending, by the numbers
1,746
VA Loans Closed (FY2025)
$0.7B
VA Dollars Guaranteed (FY2025)
$379K
Average VA Loan
45,444
Veterans in WY
Wyoming veterans closed 1,746 VA loans in fiscal year 2025 — 1,036 of them home purchases — and the VA paid $0.3 billion in disability compensation and pension to Wyoming veterans in FY2024. Every veteran receiving that compensation is exempt from the VA funding fee.
Sources: VA Loan Guaranty loans-by-state report, FY2025 · VetPop2023 state projections (NCVAS) · VA Geographic Distribution of Expenditures, FY2024.
Bases We Serve
Military installations in Wyoming
Every installation below anchors a housing market our team lends in — PCS moves, first purchases on BAH, and buy-then-rent strategies included.
2026 BAH Rates
Compare BAH across Wyoming’s installations
BAH is set per housing area, not per state — and it counts as qualifying income on a VA loan. Here’s how Wyoming’s duty stations compare at key pay grades.
| Installation | E-4 | E-5 | E-6 | E-7 | O-3 |
|---|---|---|---|---|---|
| F.E. Warren Air Force Base | $1,539 | $1,653 | $2,217 | $2,301 | $2,442 |
| Camp Guernsey | $1,356 | $1,461 | $1,764 | $1,833 | $1,959 |
2026 monthly BAH, with dependents, from official DoD (DTMO) rate data. Click any installation for all 24 pay grades, without-dependents rates, and a payment-vs-BAH estimator for that housing area.
2026 Program Facts
What the VA loan gets you in Wyoming
$0 Down Payment
Buy with no down payment on loans within your entitlement — the signature VA benefit.
No PMI
VA loans never charge monthly private mortgage insurance, keeping payments lower than FHA or low-down conventional.
Competitive Rates
The VA guaranty lets lenders price VA loans below comparable conventional rates for most borrowers.
Flexible Credit
The VA sets no minimum credit score — guidelines focus on residual income and the whole picture.
Limited Closing Costs
The VA restricts which fees veterans can be charged, and sellers may pay all of them plus concessions.
Reusable for Life
VA entitlement is a lifetime benefit — it can be restored and reused, and you can hold more than one VA loan at once.
VA loan vs. conventional in Wyoming
| Feature | VA Loan | Conventional |
|---|---|---|
| Down payment | $0 required | 3–20% (20% to avoid PMI) |
| Monthly mortgage insurance | Never | Required under 20% down |
| Minimum credit score | None set by VA | Typically 620+ |
| Interest rates | Typically below conventional | Higher without large down payment |
| Upfront fee | Funding fee 2.15% first use (waived with disability rating) | None |
| Prepayment penalty | Never | Rare, but possible |
| Loan limit | None with full entitlement | $832,750 baseline (2026) |
| Assumable by a buyer | Yes — VA loans are assumable | Generally not |
2026 VA loan limits in Wyoming
With full entitlement, the VA does not cap your loan amount — county loan limits only apply when you have reduced entitlement (an existing VA loan or a prior default). For reduced-entitlement borrowers, the 2026 baseline county limit is $832,750, and designated high-cost counties range up to $1,873,675.
The VA funding fee, plainly
- First use, under 5% down: 2.15%
- Subsequent use, under 5% down: 3.30%
- With 5% down: 1.50% · with 10% down: 1.25%
- Streamline refinance (IRRRL): 0.50%
Veterans receiving VA disability compensation at any rating are fully exempt from the funding fee, as are eligible surviving spouses and Purple Heart recipients on active duty.
Where We Lend
Wyoming cities we serve
From base-gate communities to the metros veterans choose after service, these are the Wyoming markets where our VA lending is most active.
- Cheyenne~$392K
- Casper~$314K
- Laramie~$382K
Typical home values: Zillow Home Value Index, 2026-06.
Straight Answers
Wyoming VA loan questions, answered
Is there a VA loan limit in Wyoming?
Not with full entitlement. With reduced entitlement, Wyoming counties use the 2026 baseline of $832,750 — far above Cheyenne or Casper price points; only Teton County (Jackson) runs above it.
Is Cheyenne a good buy for an F.E. Warren assignment?
Yes — prices below the national median, a generational ICBM mission, and steady rental demand from incoming missile crews make Cheyenne a classic buy-then-rent base town.
Does Wyoming tax military retirement?
Wyoming has no state income tax at all — retirement pay, disability compensation, and wages are all untaxed, and property taxes are among the country's lowest.
Can I buy land or a home with acreage near Cheyenne with a VA loan?
Yes — Ranchettes and Laramie County acreage properties close on VA financing regularly; the appraisal just needs comparable sales and a home meeting Minimum Property Requirements.
How does Wyoming wind and weather affect the VA appraisal?
Roof condition gets genuine scrutiny in hail-and-wind country — which protects you. Insurers price roofs too, so we flag roof age early on any home you're considering.
Ready When You Are
Start your Wyoming VA loan with a team that’s worn the uniform
Get a clear pre-approval, honest numbers, and a VA process handled by people who understand PCS timelines and military life firsthand.