Deferred second loan
City of Petaluma First-Time Homebuyer Assistance
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down payment assistance · Sonoma County
Buying a home in Petaluma, CA
1 Petaluma program and 54 statewide.Petaluma has 1 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.
Find my programs Free · No credit pull · 90 seconds
Only for Petaluma addresses
Petaluma’s own program
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Multi-County. See them 1 program in neighboring cities — for homes inside those cities, not Petaluma
- Multi-County — Burbank Housing Homeowner Down Payment Assistance Program
The Petaluma marketThe Petaluma housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Petaluma
- 69.6% single-familysingle-family
- 6.5% townhousetownhouse
- 4.6% 2–4 units2–4 units
- 16.2% 5+ unitscondo & apartment buildings (5+ units)
- 3.1% mobile & othermobile home & other
Condos count. Petaluma’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Petaluma’s homes were built
pre-19401970s2020+
52.2%
of Petaluma 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.
$133,400
County area median income, 4 people (HUD)HUD area median income, Sonoma County, 4-person household (2026)
$115,430
Petaluma median household incomeMedian household income in Petaluma (Census, 2024)
51 of the 117 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 Petaluma
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Petaluma’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.City of Petaluma First-Time Homebuyer Assistance 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Petaluma questions
Does Petaluma have its own down payment program?
Yes, one: City of Petaluma First-Time Homebuyer Assistance, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Petaluma.
Can I use assistance on a condo in Petaluma?
Petaluma’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 Sonoma County?
Each program sets its own. 51 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 Petaluma?
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
94952 · 94953 · 94954 · 94955 · 94975 · 94999
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.