VA Loan Calculator — Wyoming
An eligible VA borrower can buy the typical Wyoming home ($372,000) with no down payment. The 2.15% first-use funding fee ($7,998) is rolled into a $379,998 loan, and there is no monthly mortgage insurance — saving about $167 a month versus FHA MIP on the same home.
Wyoming has the 11th-lowest effective property tax rate of the 50 states at 0.53% — $1,414 less a year than the 0.91% state average on a $372,000 home. Homeowners insurance averages $2,075 a year, the 21st-lowest premium nationally and $645 less than the typical state.
Loan Parameters
Total Monthly Payment
$2,873
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$532,886
Total Cost
$1,034,283
Advanced Parameters
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
N/A
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $30,430 | $3,838 | $26,592 | — | $376,160 | -$4,160 |
| Year 2 | $30,430 | $4,117 | $26,313 | — | $372,044 | -$44 |
| Year 3 | $30,430 | $4,415 | $26,014 | — | $367,628 | $4,372 |
| Year 4 | $30,430 | $4,736 | $25,694 | — | $362,892 | $9,108 |
| Year 5 | $30,430 | $5,080 | $25,350 | — | $357,812 | $14,188 |
| Year 6 | $30,430 | $5,449 | $24,981 | — | $352,364 | $19,636 |
| Year 7 | $30,430 | $5,844 | $24,585 | — | $346,519 | $25,481 |
| Year 8 | $30,430 | $6,269 | $24,161 | — | $340,251 | $31,749 |
| Year 9 | $30,430 | $6,724 | $23,706 | — | $333,527 | $38,473 |
| Year 10 | $30,430 | $7,212 | $23,217 | — | $326,314 | $45,686 |
| Year 11 | $30,430 | $7,736 | $22,694 | — | $318,579 | $53,421 |
| Year 12 | $30,430 | $8,298 | $22,132 | — | $310,281 | $61,719 |
| Year 13 | $30,430 | $8,900 | $21,530 | — | $301,381 | $70,619 |
| Year 14 | $30,430 | $9,546 | $20,883 | — | $291,835 | $80,165 |
| Year 15 | $30,430 | $10,239 | $20,190 | — | $281,596 | $90,404 |
| Year 16 | $30,430 | $10,983 | $19,447 | — | $270,613 | $101,387 |
| Year 17 | $30,430 | $11,780 | $18,649 | — | $258,833 | $113,167 |
| Year 18 | $30,430 | $12,636 | $17,794 | — | $246,197 | $125,803 |
| Year 19 | $30,430 | $13,553 | $16,876 | — | $232,644 | $139,356 |
| Year 20 | $30,430 | $14,537 | $15,892 | — | $218,107 | $153,893 |
| Year 21 | $30,430 | $15,593 | $14,837 | — | $202,514 | $169,486 |
| Year 22 | $30,430 | $16,725 | $13,705 | — | $185,789 | $186,211 |
| Year 23 | $30,430 | $17,939 | $12,490 | — | $167,850 | $204,150 |
| Year 24 | $30,430 | $19,242 | $11,188 | — | $148,608 | $223,392 |
| Year 25 | $30,430 | $20,639 | $9,791 | — | $127,969 | $244,031 |
| Year 26 | $30,430 | $22,138 | $8,292 | — | $105,831 | $266,169 |
| Year 27 | $30,430 | $23,745 | $6,684 | — | $82,086 | $289,914 |
| Year 28 | $30,430 | $25,469 | $4,960 | — | $56,617 | $315,383 |
| Year 29 | $30,430 | $27,319 | $3,111 | — | $29,298 | $342,702 |
| Year 30 | $30,426 | $29,298 | $1,127 | — | $0 | $372,000 |
VA Loan numbers for Wyoming
- Typical Wyoming home value
- $372,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $379,998
- Includes $7,998 financed funding fee
- Estimated monthly payment
- $2,873
- APR 7.242%
- Wyoming property tax
- 0.53%
- $164/mo
- Homeowners insurance
- $2,075/yr
- $173/mo
- VA funding fee (first use)
- 2.15% · $7,998
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $167/mo
- Same $372,000 home, FHA at 3.5% down
How much house can you afford in Wyoming with a va loan?
Highest price where principal, interest, Wyoming property tax and insurance, with the 2.15% VA funding fee financed and no monthly mortgage insurance stay within 28% of gross income —0% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $136,000 | $0 | 37% |
| $75,000 | $1,750 | $217,000 | $0 | 58% |
| $100,000 | $2,333 | $297,000 | $0 | 80% |
| $125,000 | $2,917 | $378,000 | $0 | 102% |
| $150,000 | $3,500 | $458,000 | $0 | 123% |
| $200,000 | $4,667 | $619,000 | $0 | 166% |
| $250,000 | $5,833 | $779,000 | $0 | 209% |
VA vs other loan types in Wyoming
$372,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $37,200 | $334,800 | — | $201 PMI | $2,772 | 7.488% |
| FHA | 3.5% · $13,020 | $365,262 | UFMIP $6,282 | $167 MIP | $2,941 | 7.761% |
| VA | 0% · $0 | $379,998 | Funding fee $7,998 | $0 | $2,873 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $74,400 | $297,600 | — | $0 | $2,323 | 7.030% |
Frequently asked questions
What is the monthly payment on a $372,000 home with a va loan in Wyoming?
Estimated $2,873 per month ($2,536 principal & interest, $164 property tax, $173 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $372,000 Wyoming home?
$7,998 (2.15%) for a first-time user with no down payment. Putting 5% down lowers it to 1.5%, and 10% down to 1.25%.
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Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
- VA — Funding fee and closing costs
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.