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Habitat for Humanity, Wind River Country Homeownership Program

Habitat for Humanity, Wind River Country · Riverton, Wyoming

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity, Wind River Country Homeownership Program?

Habitat for Humanity, Wind River Country Homeownership Program is a first mortgage for homebuyers in Riverton, Wyoming, administered by Habitat for Humanity, Wind River Country.

  • Builds energy-efficient homes in Fremont County (average build ~15 months). Homes are financed through the USDA 502 Rural Development program; qualifying families are referred to the USDA office in Riverton. Selection is based on housing need, inability to obtain conventional financing, and willingness to partner.
  • Affordable Habitat-built home.
  • USDA 502 financing.
  • Monthly payments roughly $500-$650.

Do you have to pay it back?

Habitat for Humanity, Wind River Country Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity, Wind River Country.

  • The assistance is recorded in First position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat for Humanity, Wind River Country Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Wyoming Housing Network (mandatory homebuyer education class)
  • Residency: Resident of Fremont County for one year prior to application
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. 500 hours sweat equity; one-year Fremont County residency; $45/adult for background/credit checks; mandatory Wyoming Housing Network homebuyer education; ability to pay first month + closing costs.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Habitat for Humanity, Wind River Country Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • Gross monthly income between 50% and 80% of area median; applicant must not qualify for a conventional loan.
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Habitat for Humanity, Wind River Country Homeownership Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

Habitat for Humanity, Wind River Country Homeownership Program serves buyers purchasing in Riverton, Wyoming.

How do you apply?

Applications for Habitat for Humanity, Wind River Country Homeownership Program go through Habitat for Humanity, Wind River Country, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Wyoming Housing Network (mandatory homebuyer education class).

  2. Contact Habitat for Humanity, Wind River Country to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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