Down payment assistance · Sonoma County
Buying a home in Cotati, CA
54 statewide.Cotati has no program of its own, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
What’s local to Cotati
No program of Cotati’s own yet
No program run for Cotati or for Sonoma County alone is listed. A home in Cotati can use the California statewide and federal programs below.
The closest city that runs its own program is Petaluma, about 8 miles away. City programs usually require the home to be inside that city’s limits.
Neighboring cities
2 programs for homes in nearby cities
2 more programs are for homes in Multi-County and Petaluma. See them 2 programs in neighboring cities — for homes inside those cities, not Cotati
- Multi-County — Burbank Housing Homeowner Down Payment Assistance Program
- Petaluma — City of Petaluma First-Time Homebuyer Assistance
The Cotati marketThe Cotati housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cotati
- 47.9% single-familysingle-family
- 16.5% townhousetownhouse
- 15.8% 2–4 units2–4 units
- 17.3% 5+ unitscondo & apartment buildings (5+ units)
- 2.5% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cotati’s homes were built
37.7%
of Cotati homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
50 of the 116 programs here set their income limit as a share of Sonoma County’s area median income, adjusted for household size. See the published limits for Sonoma County
Free help nearbyFree help near Cotati
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Cotati questions
Does Cotati have its own down payment program?
No program run for Cotati alone is listed. A home in Cotati can use the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Cotati?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Sonoma County?
Each program sets its own. 50 of the programs here set theirs as a share of HUD’s area median income for Sonoma County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Cotati?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Cotati. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
94926 · 94931
Nearby in Sonoma
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.