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Sonoma County, California FHA, VA, and USDA Loan Information

Seal of Sonoma County, California
Sonoma is known for its vineyards and wineries.

SBA Disaster Loans

Yolo County is currently eligible for SBA Disaster Loans for Emotional Injury. These loans provide up to $2 million to help small businesses stay open and pay their bills after a disaster. You do not need to have suffered property damage to qualify for an Economic Injury Loan.

The current deadlines to apply for SBA Emotional Injury Loans in Sonoma County are:

  • August 18, 2020: Kincade Fire

Table of Contents

What are the government loan limits in Sonoma County, CA?

What parts of Sonoma county are eligible for USDA loans?

Do I need flood insurance?

How do I learn about Property Taxes in Sonoma County

What is the median home price in Sonoma County, CA?

How many people live in Sonoma County?

What are the major cities?

How do I see FHA- and VA-Approved homes for sale?

Is there a cost to have a real estate agent represent me?

What closing costs do I need?

How can I get assistance with closing costs?

How to Buy a Home in Sonoma

About Sonoma County

Approved Condominium Projects in Sonoma County

How much of a loan can I qualify for, based on my income?

FAQ

What are the government loan limits in Sonoma County?

  • FHA Loan Limit $704,950 (Single family residence) / $902,450 (Duplex) / $1,090,850 (Triplex) / $1,355,700 (Fourplex)
  • USDA Loan Limit $563,930
  • VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $704,950*(Call 888-573-4496 for details).


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What parts of Sonoma county are eligible for USDA loans?

Much of Sonoma County, including the City of Sonoma, is eligible for USDA Rural Development home loans. In fact, only the largest cities – Santa Rosa, Petaluma, Rohnert Park, Cotati, and Penngrove – are excluded. You can use a USDA loan in places like Sebastopol, Occidental, and Monte Rio.

Eligible Zip Codes: 94922, 94923, 94972, 95412, 95421, 95425, 95436, 95441, 95442, 95444, 95446, 95448, 95450, 95452, 95462, 95465, 95472, 95476, 95486, 95492, 95497

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Do I need flood insurance?

The FHA, USDA, and VA all require flood insurance in Special Flood Hazard Areas. There are several flood zones in Sonoma County. In addition, FEMA recommends people get flood insurance if their property was damaged in the recent fires. Your agent can help you determine the flood risk of a given property.

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How do I learn about Property Taxes in Sonoma County?

The current County Assessor in Sonoma is Deva Marie Proto. Her Santa Rosa office is located at: 585 Fiscal Drive Room 104F Santa Rosa, CA 95403
In addition, you can look up information about property taxes and fire damage online, through the Assessor’s Office, if you have the parcel number.

Veterans, owner-occupiers, and senior citizens may be eligible for property tax relief. You can find out whether you qualify through the county assessor. In addition, the Assessor’s Office can do re-appraisals to determine property values and flood risks.


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What is the median home price in Sonoma County, CA?

The median home price in Sonoma County, as of February 2020, is $694,900.

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How many people live in Sonoma County?

Sonoma County currently sits at a population of 499,942. That being said, thanks to the many rural areas in the county, there are only 300 people per square mile. About 6% of the county are veterans. In addition almost 35% of Sonoma County residents above the age of 25 have a bachelor’s degree. The population is aging faster than the national average, which has led to growth in the healthcare industry.

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What are the major cities?

Santa Rosa is the largest city in Sonoma County and is the county seat. Other big cities are Petaluma and Rohnert Park. In addition to smaller cities, like Sonoma, there are also plenty of rural communities like Jenner and Graton dotted throughout the county.

How do I see FHA- and VA-Approved homes for sale?

You can view all of the properties available for sale in Sonoma County through the Multiple Listing Service. You can also see approved condos at the bottom of this page.

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Is there a cost to have a real estate agent represent me?

The seller must pay real estate professionals’ commission, not the buyer. This means that, as a homebuyer, there is no cost to have a real estate agent represent you. In fact, it’s a good idea to get your own agent in order to have someone in your corner during the negotiation process.

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What closing costs do I need?


For FHA loans, closing costs can end up being 3-4% of the loan amount. These costs include origination fees from the lender, any discount points purchased for a better interest rate, and pre-paid items like insurance and taxes.

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How can I get assistance with closing costs?

There are several ways to reduce the amount you have to pay at closing. One way is to get down payment assistance. The FHA’s Within Reach program provides grants to help low- and middle-income families with their down payment. There is also the CalHome program, which offers down payment assistance and to reduce or finance other closing costs.

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How to Buy a Home in Sonoma County

Are you interested in buying a home in Sonoma? This is a step by step guide to all the ins and outs of the homebuying process. For more information, follow this link – we’ll be happy to answer any questions you have.
For now, let’s look at the basic steps to buying a home – and what you’ll have to look out for in Sonoma County.

  1. Get in touch with a loan officer – give us a call at 877-432-5626

    We can help you figure out what type of loan you might qualify for. Programs through the VA, USDA, and FHA allow you to buy a home with a small down payment – or no down payment at all. We will also check your credit and income to see how much of a loan you can qualify for. When we do this, we do a “soft pull” on your credit. This is different from an official credit inquiry and won’t hurt your credit score.

  2. Compare loan offers.

    Either call us or fill out the form on this page.

  3. Give your Loan Officer the information they need to find you a loan

    For a purchase loan or cash-out refinance:

    • Your ID
    • Previous two years of W2s
    • Most recent 30 days paystubs
    • Most recent 60 days bank statements
    • Landlord and HR/Payroll Department contact info

    For a refinance loan, you will also need information on the loan you want to refinance.


  4. Compare Loan offers

    Compare the interest rates and APRS – but keep in mind that the fixed- and adjustable-rate mortgages are apples and oranges. Use the Loan Estimate to compare the true costs of each loan, both month-to-month and over the life of the mortgage.

  5. Find a home

    Get connected with a FedHome Loan Centers Real Estate Agent. Once you meet with them to talk about your wants and needs, you can sign up for the property search feed. This will give you alerts about homes for sale in Sonoma County. Now you’re ready to preview properties and start touring homes.

  6. Make an offer and negotiate the terms of the sale

  7. Get the necessary and recommended inspections

    Required Inspections:

    • Termite Inspection
    • Well or septic inspections, if applicable
    • We can help you check if your home is in one of the Sonoma County flood hazard areas.

    Recommended Inspections:
    Home Inspection, Roof Inspection, Sewer Inspection

  8. Get the home appraised

    Construction loans require a construction appraisal and permit approval

  9. Lock in your interest rate

    Pro Tip: Wait until the appraisal to lock in your loan rates. If it turns out you need to make repairs, it can push the closing back. Then you run the risk of losing that rate or having to pay an extension fee.

  10. Close the deal and get packing!

    You’re ready to go!

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About Sonoma County

Located on the beautiful California coast, Sonoma County is the perfect place for those who want to sit back and enjoy life! Sonoma County is home to beaches, forests, and plenty of wineries. The county’s population is as diverse as its scenery. Whether you are looking for a quiet cabin in the forest or an apartment in the city, there is a place in Sonoma County that fits the bill.

You can see how varied life in Sonoma is just by looking at the size of the school districts. The smallest one, out in rural Kashia, only has 11 students. However, if you went to school in the largest district, Santa Rosa, you would be among 11,000 fellow students. Regardless of the district size, Sonoma County offers a lot of educational opportunity. Many students in the county go on to attend California State or University of California colleges.

When it comes to working life in Sonoma County, the region is home to a wide variety of workers. From Bay Area telecommuters to multi-generational winemakers, there are plenty of different people making a living in Sonoma. In addition, thanks to the aging population, the heath care industry in Sonoma is only expected to grow in the coming years.

Recreation

However, Sonoma County is definitely not all work and no play. For those who like to relax outdoors, Sonoma offers some of the best views of the California coast. For example the Black Point Access Trail is a great place to see coastal wildlife and breath in the salty sea air. The county has also been recognized for having the cleanest beaches in California.

Farther inland runs the Russian River. You can fish, kayak, or just relax on the shore of this fast-moving river. In addition, Sonoma County prides itself on its wine and beer industries. You can appreciate the local scenery while sipping on a local beverage.

Sonoma County is also known for its many small towns, which offer a chance to really get to know your local community. Petaluma, for example, is an artistic haven. The City of Sonoma, meanwhile, is known for its classic town square and great film festivals. It’s also been said to have one of the best Fourth of July celebrations in the whole country.


How much of a loan can I qualify for, based on my income?

Monthly Income Purchase Price
$2,628.90 $195,175.91
$2,832.00 $210,254.55
$3,181.50 $236,202.27
$3,612.00 $268,163.64
$3,985.50 $295,893.18
$4,361.10 $323,778.64
$4,971.90 $369,125.91
$5,761.50 $427,747.73
$6,892.20 $520,625.00
$5,199.60 $368,791.82
$5,743.80 $408,815.91
$6,249.90 $450,287.73
$6,998.10 $501,960.45
$9,776.70 $725,845.91
$5,568.00 $413,381.82
$6,574.80 $488,129.09
$7,569.60 $561,985.45
$5,141.40 $381,710.00
$6,345.30 $471,090.45
$7,639.80 $567,197.27
$8,360.10 $620,674.09
$9,260.70 $687,536.82
$10,095.30 $749,499.55
$12,165.00 $903,159.09
$13,929.60 $1,034,167.27
$17,511.00 $1,300,059.09
$18,406.80 $1,366,506.06

Purchase Price subject to credit and income evaluation.

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Approved Condos in Sonoma County

Below you will find the current VA- and FHA-Approved Condos in Sonoma County. Don’t see the condo project you’re looking for? Fill out the form on the side of this page, and we can help you get your condo approved.

FHA-Approved Condos

BORDEN VILLE CONDOMINIUM ASS*
S014024 001 1011 BORDEN VILLA DR
SANTA ROSA, CA 95401 SONOMA HRAP ALL 35 UNITS IN THE PROJECT Exists
Recorded/
Not Uploaded No 5.71% Approved 04/19/2018 04/19/2020
COLONIAL MANOR
S014086 001 7771 HEALDSBURG AVE
SEBASTOPOL, CA 95472 SONOMA HRAP ALL 34 UNITS IN PROJECT Exists
Recorded/
Uploaded No 2.94% Approved 07/25/2018 07/25/2020
MEADOW PINES ***
S007968 001 1008 CIVIC CENTER DR
ROHNERT PARK, CA 94928 SONOMA HRAP ALL 190 CONDO UNITS IN PROJECT
*** LEGAL NAME: MEADOW PINES, A CONDOMINIUM Exists
Recorded/
Uploaded No 13.15% Approved 04/12/2018 04/12/2020
MILL CREEK AT BRODY RANCH
S014273 001 1416 MAURO PIETRO DR
PETALUMA, CA 94954 SONOMA HRAP PHASE 1: BLDG 3 = UNITS 3-100 – 3-102, 3-200 – 3-206, 3-300 – 3-306 = 17 UNITS OF PROPOSED 139 CONDO UNITS IN PROJECT. PROJECT CONTAINS BMR UNITS.
***LENDERS – SEE COMMENTS BELOW REGARDIGN BMR DEED-RESTRICTED UNITS IN PROJECT. Exists
Recorded/
Uploaded No 0.72% Approved 03/18/2019 03/18/2021
MILL CREEK AT BRODY RANCH
S014273 002 1416 MAURO PIETRO DR
PETALUMA, CA 94954 SONOMA HRAP PHASE 2: BLDG 4 = UNITS 4-100 THROUGH 4-102 , 4-200 THROUGH 4-206 & 4-300 THROUGH 4-306 = 17 UNITS TOTAL OF 139 CONDO UNITS IN PROJECT. Exists
Recorded/
Uploaded No 0.72% Approved 05/01/2019 03/18/2021
MILL CREEK AT BRODY RANCH
S014273 003 1416 MAURO PIETRO DR
PETALUMA, CA 94954 SONOMA HRAP PHASES 3-7: BLDGS 1,2,5,6,7,8,9 = 104 REMAINING UNITS OF 138 CONDO UNITS IN PROJECT. PROJECT CONTAINS BMR UNITS.
***LENDERS – SEE COMMENTS BELOW REGARDING BMR DEED-RESTRICTED UNITS IN PROJECT. Exists
Recorded/
Uploaded No 0.72% Approved 09/26/2019 03/18/2021
PARK PLACE PETALUMA***
S003752 001 84 PARK PLACE DR
PETALUMA, CA 94954 SONOMA HRAP ALL 195 UNITS IN PROJECT.

PARK PLACE PETALUMA HOMEOWNERS’ ASSOCIATION Exists
Recorded/
Uploaded No 4.61% Approved 12/12/2018 12/12/2020
STONE RIDGE AT QUARRY HEIGHTS
S011486 001 1700 PETALUMA BLVD SOUTH
PETALUMA, CA 94952 SONOMA HRAP PHASES 1-6: UNITS 51-61,118-129 = 23 UNITS OF PROPOSED 142-UNIT PROJECT. Exists
Recorded/
Uploaded No 7.74% Approved 01/31/2019 01/31/2021
STONE RIDGE AT QUARRY HEIGHTS
S011486 002 1700 PETALUMA BLVD SOUTH
PETALUMA, CA 94952 SONOMA HRAP PHASES 7-13: BLDGS 7-13 = UNITS 1-12,62-65,130-142 = 29 UNITS OF PROPOSED
142-UNIT PROJECT. None Recorded/
Not Uploaded No 7.74% Approved 07/01/2013 01/31/2021
STONE RIDGE AT QUARRY HEIGHTS
S011486 003 1700 PETALUMA BLVD SOUTH
PETALUMA, CA 94952 SONOMA HRAP PHASE 14: LOTS 145, 146; UNITS:106-117 =12 UNITS OF THE PROPOSED 142 UNITS IN THE PROJECT None Recorded/
Not Uploaded No 7.74% Approved 06/07/2016 01/31/2021
STONE RIDGE AT QUARRY HEIGHTS
S011486 004 1700 PETALUMA BLVD SOUTH
PETALUMA, CA 94952 SONOMA HRAP PHASE 15: LOT 147; UNITS 41-50 = 10 OF THE PROPOSED 142 UNITS IN THE PROJECT None Recorded/
Not Uploaded No 7.74% Approved 06/07/2016 01/31/2021
STONE RIDGE AT QUARRY HEIGHTS
S011486 005 1700 PETALUMA BLVD SOUTH
PETALUMA, CA 94952 SONOMA HRAP PHASES 16: UNITS 74-78 = 5 UNITS OF PROPOSED 142 UNITS WHEN COMPLETE. None Recorded/
Not Uploaded No 7.74% Approved 09/23/2016 01/31/2021
STONE RIDGE AT QUARRY HEIGHTS
S011486 006 1700 PETALUMA BLVD SOUTH
PETALUMA, CA 94952 SONOMA HRAP PHASES 18: UNITS 79-86 = 8 UNITS OF PROPOSED 142 UNITS WHEN COMPLETE. None Recorded/
Not Uploaded No 7.74% Approved 09/23/2016 01/31/2021
STONE RIDGE AT QUARRY HEIGHTS
S011486 007 1700 PETALUMA BLVD SOUTH
PETALUMA, CA 94952 SONOMA HRAP PHASES 19: UNITS 87-96 = 10 UNITS OF PROPOSED 142 UNITS WHEN COMPLETE. None Recorded/
Not Uploaded No 7.74% Approved 09/23/2016 01/31/2021
STONE RIDGE AT QUARRY HEIGHTS
S011486 008 1700 PETALUMA BLVD SOUTH
PETALUMA, CA 94952 SONOMA HRAP PHASE 17: BLDGS 29,33 = UNITS 97-105 = 9 UNITS OF PROPOSED 142-UNIT PROJECT. None Recorded/
Uploaded Yes 7.74% Approved 04/07/2017 01/31/2021
STONE RIDGE AT QUARRY HEIGHTS
S011486 009 1700 PETALUMA BLVD SOUTH
PETALUMA, CA 94952 SONOMA HRAP PHASE 20: BLDG 9229C = UNITS 29-36 = 8 UNITS OF PROPOSED 142 UNIT PROJECT. None Recorded/
Uploaded No 7.74% Approved 08/08/2017 01/31/2021
STONE RIDGE AT QUARRY HEIGHTS
S011486 010 1700 PETALUMA BLVD SOUTH
PETALUMA, CA 94952 SONOMA HRAP PHASE 21: BLDGS 4443B, 5115D, 9229B = UNITS 17-28 = 12 UNITS OF PROPOSED 142 UNIT PROJECT. None Recorded/
Uploaded No 7.74% Approved 08/10/2017 01/31/2021
STONE RIDGE AT QUARRY HEIGHTS
S011486 011 1700 PETALUMA BLVD SOUTH
PETALUMA, CA 94952 SONOMA HRAP PHASE 22&23 UNITS 13-16,37-40 & 66-73 = 16 UNITS OF 142 UNITS IN PROJECT. ALL UNITS IN PROJECT HAVE NOW BEEN DECLARED. None Recorded/
Not Uploaded No 7.74% Approved 08/18/2017 01/31/2021
WESTBERRY CONDOMINIUMS
S010198 001 2556 WESTBERRY DR.
SANTA ROSA, CA 95403 SONOMA HRAP ALL 160 UNITS IN PROJECT. Exists
Recorded/
Uploaded No 6.25% Approved 08/29/2018 08/29/2020

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