Woodland combines small-town Yolo County feel with proximity to Sacramento and Davis. Home prices remain more accessible than many Sacramento neighborhoods, and parts of the surrounding Yolo County market are USDA-eligible, which can mean $0-down financing for qualified buyers.
Yolo County property tax sits near 1.05%. Woodland is one of the strongest markets for first-time buyers in the region because of relative affordability and DPA program eligibility. Some surrounding rural-eligible areas qualify for USDA loans.
Spring Lake, Streng Bros homes, Historic Woodland, Stonegate, North Woodland, Country Club, Gibson Ranch
USDA loans for $0-down financing in eligible areas, FHA + CalHFA MyHome stacks for first-time buyers, and conventional 5% down for move-up buyers. NHF (National Homebuyers Fund) funded periods make this market especially DPA-friendly, with a 3.5% second available in forgivable or repayable form and a 5% second that is repayable and amortized over 120 months.
Run the tools, see what fits, then talk it through with a real advisor.
Real questions from real buyers, answered specifically for this market. Program availability, eligibility, and pricing are subject to underwriting and program guidelines and can change.
USDA eligibility is determined by exact address, not by ZIP or neighborhood. Parts of outer Woodland and much of surrounding Yolo County qualify, but eligibility can change between adjacent blocks. I run the USDA property eligibility check on any address you're considering before you write an offer.
Yes. Most homes in Spring Lake and parts of Stonegate carry Mello-Roos community facilities district (CFD) assessments that show up as a separate line on your property tax bill. Those assessments count toward your qualifying DTI, so we build them into your pre-approval from the start rather than discovering them mid-escrow.
The most common Woodland first-time buyer stack is CalHFA MyHome (up to 3.5% or 3% of purchase price for down payment / closing costs, depending on loan type) layered with an FHA or conventional first mortgage. When funded, NHF (National Homebuyers Fund) may add a 3.5% second in forgivable or repayable form, or a 5% second that is repayable and amortized over 120 months. Program availability changes, subject to underwriting and current funding status.
Streng Bros. homes are architecturally distinctive and comparable sales can be tight. If the appraiser doesn't know the housing stock, you can get low appraisals from cross-town comps that don't reflect the actual market. I work with appraisers who understand Woodland's mid-century inventory.
Below are the programs that come up most often for Woodland and Yolo County buyers, USDA-eligible zones, FHA + CalHFA MyHome stacks, and conventional options for move-up buyers in Spring Lake or Country Club. Pick what fits your situation.
Certified Mortgage Advisor and Branch Manager at PRMG Mortgage (NMLS #75243). 28 years in mortgage lending. Specializes in FHA, VA, conventional, DPA, jumbo, Non-QM, renovation, and construction financing for buyers and investors in Sacramento, New Jersey, and nationwide. PRMG is licensed in 49 states, excluding New York. Three-time Gold Award winner for Highly Reviewed Mortgage Team in Sacramento (2023, 2024, 2025). NMLS #225375.
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