FHA Loans in Wyoming: From the National Floor to Teton County's Ceiling

Teton County, around Jackson, is the one place in Wyoming where the 2026 FHA loan limit for a one-unit home is $1,249,125. Laramie County, where Cheyenne is, is at $541,287. The Jackson limit is more than twice as high, and no other Wyoming county comes close to it.

Wyoming has three FHA loan limits for 2026: $541,287 in 21 of its 23 counties, $579,600 in Uinta County, and $1,249,125 in Teton County, which is the national ceiling. HUD set these in Mortgagee Letter 2025-23 for FHA loans whose case numbers were assigned on or after January 1, 2026, and only Alaska, Hawaii, Guam and the Virgin Islands have higher ceilings.

I'm Jeff Moran, NMLS #483943, licensed to originate in Wyoming through C2 Financial Corporation, and I have been in the mortgage business since 1996. The Wyoming page covers the closing rules, and the FHA explainer covers how the program works everywhere.

What are the FHA loan limits in Wyoming?

The floor is the lowest limit FHA sets anywhere. Twenty-one Wyoming counties are at it, including Laramie, Natrona and Albany.

County	One unit	Two units	Three units	Four units
Teton (Jackson)	$1,249,125	$1,599,375	$1,933,200	$2,402,625
Uinta (Evanston)	$579,600	$742,000	$896,900	$1,114,650
The other 21 counties	$541,287	$693,050	$837,700	$1,041,125

In Teton County, the FHA limit and the conforming limit are the same figure, $1,249,125. A loan above the conforming limit is a jumbo loan, and conforming versus jumbo loans explains what changes there. Whether a particular Teton County home fits under the limit is a price question that I answer file by file.

Where is FHA most common in Wyoming?

Federal mortgage disclosure data for 2024 shows three different pictures:

• Cheyenne: 364 of 1,790 home purchase loans were FHA, and 418 were VA.
• Casper: 342 of 1,283 were FHA, and 132 were VA, so FHA outnumbered VA by more than two to one.
• Laramie: 33 of 437 in Albany County were FHA, and 40 were VA.

My Casper page, Cheyenne page and Laramie page have the details. If you are a veteran, VA loans in Wyoming may fit better, and I price the two side by side.

How much cash does an FHA loan take in Wyoming?

HUD's Handbook 4000.1 requires you to put in at least 3.5 percent of the home's value, which is the lesser of the price or the appraised value, and it calls that cash the minimum required investment. Closing costs, prepaid items and other fees may not be applied toward it. Sellers, agents and builders may contribute up to 6 percent of the sales price toward your closing costs, prepaid items, points and the upfront premium, and the credit cannot be used for the minimum required investment.

The upfront mortgage insurance premium is 1.75 percent of the base loan, and you can finance it or pay it in cash. It is not counted against the loan limit.

What does a Wyoming closing look like on an FHA loan?

Wyoming has no state real estate transfer tax and no mortgage tax based on the loan amount that I could find. Deeds and mortgages still carry county-clerk recording fees, and the closing agent checks the county and any municipality or special district for local charges.

Wyoming is not an attorney-closing state. The Department of Insurance licenses title agents, and its consumer guidance treats the title insurer and the closing agent as separate participants who may be separate companies. FHA asks the lender to confirm that nobody involved in the file, including the closing agent and the title company, is on HUD's exclusion list, so each company on your file gets checked.

The purchase agreement decides who pays for the owner's title policy, because no Wyoming statute, form or authority assigns it to the buyer or the seller.

The same Department of Insurance guidance says wire instructions come from the title or closing agent and should be verified by calling that agent directly. Please use a phone number you already have, never one that arrives in an email.

Can I sign my closing documents remotely in Wyoming?

Yes, in many cases. Wyoming's notary law permanently authorizes remote online notarization and, for acknowledgments, remote ink notarization, which lets you sign a paper document with a pen while the notary watches by video. The lender, the title insurer and the county clerk all have to accept it, so I ask about it early.

Where to start

When you're ready, you can see rates and the payment for a home in your price range, with Wyoming closing costs included, and you choose the option that works best for you. Which loan fits puts FHA next to conventional and VA, and how to get pre-approved explains what I will ask for.

Nothing here is a loan approval, a denial, or a commitment to lend, and final approval depends on the property, the appraisal and full underwriting. Limits and premiums are revised periodically, so please confirm current figures with me.

Common questions

What is the FHA loan limit in Wyoming for 2026?

It depends on the county. Twenty-one counties are at the national floor, Uinta County is slightly above it, and Teton County is at the national ceiling. The limits apply to FHA loans whose case numbers were assigned on or after January 1, 2026.

Is the FHA loan limit in Jackson, Wyoming different from the rest of the state?

Yes. Teton County has the highest FHA limit in Wyoming. It is the national ceiling for a one-unit home, which only Alaska, Hawaii, Guam and the Virgin Islands exceed, and it equals the conforming limit in that county.

Is FHA common in Wyoming?

It is common in Casper and Cheyenne, where roughly one purchase loan in four or five is FHA, and less common in Laramie. The mix varies from one city to the next.

Do I need an attorney to close an FHA loan in Wyoming?

Wyoming is not an attorney-closing state. An attorney can advise you or help with title questions if you choose to hire one.

Can I sign my FHA closing documents with a pen over video in Wyoming?

Wyoming permits remote ink notarization for acknowledgments. Your lender, the title insurer and the county clerk must still accept it, so please ask early.