Deferred second loan
City of West Sacramento First-Time Homebuyer Program
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down payment assistance · Yolo County
Buying a home in West Sacramento, CA
1 West Sacramento program, 1 county program and 54 statewide.West Sacramento has 1 program of its own, 1 more across Yolo County, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for West Sacramento addresses
West Sacramento’s own program
Anywhere in YoloAnywhere in Yolo County
1 county program1 county program a West Sacramento homebuyer can also use
1 more program is for homes in Woodland. See them 1 program in neighboring cities — for homes inside those cities, not West Sacramento
- Woodland — City of Woodland First-Time Homebuyer Assistance
The West Sacramento marketThe West Sacramento housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in West Sacramento
- 64.5% single-familysingle-family
- 4.8% townhousetownhouse
- 5.1% 2–4 units2–4 units
- 20.3% 5+ unitscondo & apartment buildings (5+ units)
- 5.3% mobile & othermobile home & other
Condos count. All 2 of West Sacramento’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When West Sacramento’s homes were built
pre-19401970s2020+
44%
of West Sacramento 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.
$129,600
County area median income, 4 people (HUD)HUD area median income, Yolo County, 4-person household (2026)
$93,188
West Sacramento median household incomeMedian household income in West Sacramento (Census, 2024)
52 of the 118 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 West Sacramento
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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
West Sacramento questions
Does West Sacramento have its own down payment program?
Yes, one: City of West Sacramento First-Time Homebuyer Program, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside West Sacramento.
Can I use assistance on a condo in West Sacramento?
All 2 of West Sacramento’s local and county programs accept 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. 52 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 West Sacramento?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of West Sacramento. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
95605 · 95691 · 95798 · 95799
Nearby in Yolo
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.