Sebastopol is the small town at the center of west Sonoma County, where Gravenstein apple orchards and vineyards surround a walkable downtown and The Barlow market district. We help Sebastopol buyers and homeowners with conventional and jumbo financing for in-town homes, country properties and acreage. Many Sebastopol buyers have the income to afford a monthly mortgage payment but not the savings for a down payment and closing costs. Down payment assistance programs exist for exactly that gap, and Pacific National Lending works with CalHFA-participating lenders on the programs most Sebastopol buyers use.
Call Pacific National Lending for down payment assistance in Sebastopol: (916) 526-2700
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Sebastopol buyers are usually looking for character and land: a bungalow near downtown, or a few acres with a well, a septic system and maybe a second unit or studio. Prices regularly reach jumbo amounts, and rural features like shared roads, outbuildings and agricultural surroundings make it important to choose a lender who knows how those properties appraise. For Sebastopol buyers, CalHFA's MyHome Assistance Program provides a deferred-payment junior loan of up to 3.5 percent of the purchase price or appraised value on FHA loans (3 percent on conventional) for down payment or closing costs, with no monthly payment until the home is sold, refinanced or paid off. It pairs with CalHFA FHA, VA, USDA and conventional first mortgages.
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Housing includes early-1900s bungalows and farmhouses near downtown, mid-century neighborhoods off Pleasant Hill Road, and country homes on acreage along Gravenstein Highway, Bodega Highway and Burnside Road and out toward Graton. Our process for Sebastopol buyers using assistance starts with a standard pre-approval, then a review of every program you qualify for. We show you the combined loan structure, the total monthly payment and the cash to close with and without assistance, so you can choose with clear numbers.
Repeat buyers in Sebastopol are not always excluded. Some programs waive the first-time buyer requirement in targeted areas or for veterans, and gift funds from family can be used alongside assistance. We look at every angle.
We help borrowers with down payment assistance throughout Sebastopol, including Downtown Sebastopol, The Barlow, Pleasant Hill Road, Gravenstein Highway, and across west Sonoma County. Sebastopol is a little over two hours from our Gold River office, and our west county clients work with us by phone, email and e-signature.
Ready to talk about down payment assistance in Sebastopol? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
Area photo: "Luther Burbank's cottage" by Frank Schulenburg, CC BY-SA 3.0.
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