Yolo County Down Payment Assistance Program
Deferred second loan · New construction · Income limits
Down payment assistance · Yolo County
Buying a home in Cottonwood, CA
1 county program and 54 statewide.Cottonwood has no program of its own, 1 across Yolo County, and 54 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Cottonwood
No program of Cottonwood’s own yet
No program run for Cottonwood alone is listed. A home in Cottonwood can use Yolo County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Woodland, about 11 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in YoloAnywhere in Yolo County
1 county program1 county program a Cottonwood homebuyer can use
2 more programs are for homes in West Sacramento and Woodland. See them 2 programs in neighboring cities — for homes inside those cities, not Cottonwood
- West Sacramento — City of West Sacramento First-Time Homebuyer Program
- Woodland — City of Woodland First-Time Homebuyer Assistance
Income limits in Yolo County
How programs here set their income limits
$129,600
County area median income, 4 people (HUD)HUD area median income, Yolo County, 4-person household (2026)
51 of the 117 programs here set their income limit as a share of Yolo County’s area median income, adjusted for household size. See the published limits for Yolo County
Free help nearbyFree help near Cottonwood
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Cottonwood’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Yolo County Down Payment Assistance Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Cottonwood questions
Does Cottonwood have its own down payment program?
No program run for Cottonwood alone is listed. A home in Cottonwood can use the 1 program that cover Yolo County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Cottonwood?
Cottonwood’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Yolo County?
Each program sets its own. 51 of the programs here set theirs as a share of HUD’s area median income for Yolo 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 Cottonwood?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
96022
Nearby in Yolo
Sources
Sources: agency sites (June–August 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.