San Bernardino County: How to Buy a New-Construction Home in Ontario Ranch and the West Valley (November 2026)

Builders in Ontario, Chino and Fontana are pushing hard to close homes before the end of the year. This week you can find a move-in-ready two-bedroom courtyard home in Ontario Ranch listed at $499,990, a four-bedroom detached home nearby at $794,990, and a builder-paid rate buydown with a 3.99% first-year rate on select Ontario and Chino homes, if you sign by November 15. Ontario Ranch is also selling quickly. In RCLCO's mid-2026 ranking of the nation's top-selling master-planned communities it placed 12th, with 402 sales, up 31% from 306 a year earlier.

A brand-new home is not bought the way a resale is. The seller is a corporation with its own sales contract, its own lender and title company, and a price sheet that rarely changes for one buyer. The property-tax bill usually carries a Mello-Roos (Community Facilities District, or CFD) special tax on top of the 1% base levy. The incentive that looks largest is not always the one worth the most. This guide covers this week's numbers, how to compare a builder's rate buydown with a price cut, how to read an Ontario Ranch CFD tax, what California law requires the builder to hand you, and twelve steps from the first model-home visit to the final walk-through.

Here is what is in the news this week:

• Builders are offering year-end incentives with short deadlines. Tri Pointe Homes' "Value of Now" event offers a conventional 30-year fixed loan with a 1-0 buydown: 3.99% for the first year and 4.99% after that (5.577% APR) on select homes at Reprise at The Resort in Ontario and Sage Court in Chino. To qualify, you must sign a purchase agreement between November 1 and 15, lock with the builder's affiliated lender, Tri Pointe Connect, within five days, buy at list price, and close by December 28, 2026. Richmond American is offering up to $60,000 in "Flex Funds" on select Inland Empire homes for contracts signed October 19 through November 15. Buyers can use the money for closing costs, a permanent rate buydown, or a price discount of up to 2%, subject to loan-program limits. Risewell Homes advertises a 5.25% fixed rate (6.029% APR) on 25 Southern California homes, including homes in Ontario and Fontana. All three offers require the builder's affiliated lender and change often. Read the fine print the day you sign.
• Ontario Ranch keeps adding amenities. The Ontario Sports Empire opened on October 24, 2026, at 3150 S. Home Run Way, according to the City of Ontario. The Resort at Ontario Ranch describes it as about 190 acres of fields and diamonds, plus ONT Field, home of the Dodgers' Single-A affiliate. The Resort also says Phase 1 of Ontario Grand Park, about 130 acres between Archibald and Haven avenues, is expected to open in summer 2027.
• Ontario's Measure H is narrowly ahead. Measure H would add a half-cent local sales tax that the city estimates would raise about $32.5 million a year for public safety, streets, parks and other services. As of the 5:48 p.m. count on November 10, Inland Empire News Online showed Yes at 51.6%. It also showed Daisy Macias leading Paul Leon by 3,351 votes for mayor. Results are unofficial until certified. Measure H is a sales tax, not a property tax.
• Prop 37 passed, but it is not open yet. Proposition 37 creates a state second loan of up to 17% of the price of a newly built home for a first buyer who puts at least 3% down and earns no more than 200% of area median income. The state must certify the election by December 11. The measure then takes effect, and CalHFA has up to a year to launch the program. No application date, rate or lender list has been published. Details for San Bernardino County are below.
• Mortgage rates eased again. Freddie Mac's 30-year fixed average was 7.18% for the week of November 5, 2026, down from 7.24% the week before (6.22% a year ago). The next survey comes out Thursday, November 12.

The San Bernardino County market snapshot (October 2026, Realtor.com)

We re-downloaded Realtor.com's county and ZIP history files on the morning of November 11, 2026. October 2026 is still the latest month available.

Source: Realtor.com Residential Data, county inventory core metrics, October 2026 (FIPS 06071; month_date_yyyymm 202610; quality_flag 0). The price-cut share is Realtor.com's own price_reduced_share field (0.1866 in the file, shown as 18.7%). We do not calculate it by dividing the price-reduced count by active listings. Matching FRED series: MEDLISPRI6071, ACTLISCOU6071, NEWLISCOU6071, PENLISCOU6071, MEDDAYONMAR6071 and MEDLISPRIPERSQUFEE6071.

What this means for a new-home shopper: resale sellers are competing for fewer buyers, with pendings down nearly a fifth and almost one listing in five cut. Builders compete with that resale inventory, which helps explain the incentives above. A buyer who can compare a new home with a nearby resale has leverage in both directions.

The West Valley by ZIP code (October 2026)

These are the ZIP codes where most of the West Valley's new-home activity sits, including Ontario Ranch (Ontario 91761 and 91762), Chino and Fontana, plus Rancho Cucamonga 91739 for comparison.

Source: Realtor.com Residential Data, ZIP inventory core metrics, October 2026. Price-cut share is Realtor.com's own price_reduced_share. ZIP medians are asking prices for all listed homes, new and resale, detached and attached, so they move with whatever is listed that month. ZIPs with fewer than about 60 active listings have less stable medians. City names are the ones Realtor.com assigns to each ZIP, and ZIP lines do not follow community or city boundaries. Rancho Cucamonga 91737 carried quality_flag = 1 this month and is left out.

How to read this table for a new-home purchase. Three things matter:

1. Price cuts are unevenly spread. Ontario 91762 shows 26.9% of listings with a price cut, the highest in the table, while neighboring 91761 shows 13.1%. When resale sellers next to a new community are cutting prices, the builder knows its buyers have alternatives. Use that in your negotiation.
2. New homes can look cheap per square foot. Tri Pointe's 2,041-square-foot Reprise home at $629,900 works out to about $309 a square foot, and Risewell's 2,328-square-foot Peri home at $794,990 to about $341. Ontario 91761's median asking price is $404 a square foot. But Reprise is a three-story townhome on a small footprint, and a new home's tax bill and HOA dues are usually higher. Compare the full monthly cost, not just the price per square foot.
3. Small new homes cost more per square foot. Risewell's 1,092-square-foot Eave home at $499,990 is about $458 a square foot, above every ZIP median here. That is normal for small attached homes, where the lot, garage and kitchen are a bigger share of the cost.

What builders are actually listing (snapshot, November 11, 2026)

Source: builder websites on November 11, 2026. Builder prices, incentives and availability change weekly. These are examples, not recommendations.

Ontario Ranch in brief

Ontario Ranch, once known as the New Model Colony, covers former farmland in south Ontario. KB Home describes it as more than 8,000 acres and 13 square miles, and calls it the largest master-planned community in Southern California. Many builders sell there at once. Each neighborhood has its own floor plans, HOA and CFD tax, so two homes a mile apart can have very different monthly costs. Ontario as a whole had about 187,013 residents in July 2025, up 6.7% since April 2020 according to the Census Bureau, faster than Fontana (+6.1%) and Rancho Cucamonga (+1.9%). Its average commute is 31.5 minutes, and its median household income is $88,941.

The CFD tax: how Ontario Ranch homes are taxed

Most new Ontario Ranch homes sit in at least one Community Facilities District. Many sit in two: a facilities CFD that repays bonds for streets, water, sewer, parks and other infrastructure, and a services CFD that pays for ongoing city services in the new area. The City of Ontario's published CFD reports (prepared by Goodwin Consulting Group for fiscal year 2022–23, the latest posted on the city's site) explain how the taxes work:

• There is a ceiling at formation. Before bonds are sold, the city's administrator runs a price-point study, and each home's Total Tax Burden "shall not exceed 1.95% of the Minimum Sale Price" of that type of home. That is a cap, not a typical rate. Use it as a worst-case test.
• The tax depends on the size of the home. In CFD No. 24 (Park Place Facilities Phase 1), the assigned special tax ran from $1,713 a year for a home under 1,601 square feet to $3,795 for a home over 4,000 square feet. The FY 2022–23 levy for a 2,301–2,400 square-foot home was $2,211.07 (assigned maximum $2,386).
• The services tax can rise each year. The city's report says the services CFD rate formulas "typically" do not let the levy rise more than 4.0% a year. In CFD No. 23 (Park Place Services), a single-family home paid $1,443.71 in FY 2022–23, against a maximum of $1,623.20.
• Put together: a 2,301–2,400 square-foot home in both Park Place districts paid about $3,655 in special taxes that year, or about $305 a month, on top of the 1% base levy and any voter-approved bonds. The maximums added up to about $4,009 a year ($334 a month).

These Park Place figures are from FY 2022–23 for one older Ontario Ranch neighborhood. They illustrate how the taxes work, and they are not a quote for any home for sale today. Every new neighborhood has its own district, rates and escalator. Get the actual figures in writing for the lot you are buying.

What the tax rate does to your payment

The table below uses each builder home's list price, 20% down and the 7.18% Freddie Mac average. It compares property tax at the 1% base levy only with the city's 1.95% ceiling. Insurance, HOA dues and mortgage insurance are not included.

*Annual household income at which P&I plus tax at 1.95% equals 36% of gross income, assuming no other debts, insurance or HOA. Lenders apply their own ratios.

The lesson: on a $629,900 home, the difference between the base levy and a tax bill at the 1.95% ceiling is about $500 a month, or about $6,000 a year. Your lender will count every dollar of it in your debt-to-income ratio. Ask the builder for the projected first-year total tax rate for your lot, the dollar amount of each CFD tax, and each tax's annual escalator.

Reuse this on your own numbers: loan amount × 0.006774 = monthly principal and interest at 7.18%. (Price × total tax rate) ÷ 12 = monthly property tax. Add each CFD tax in dollars if the builder lists it separately, plus HOA dues and your insurance quote.

Builder incentives: rate buydown or price cut?

Builders often prefer to "buy down" your rate rather than cut the price, since a lower recorded sale price becomes a comparable sale for the homes they still have to sell. A rate buydown can be worth more to you, but not always. Tri Pointe's own disclosure gives a real example to work through.

The builder's example (Tri Pointe, rate scenarios dated October 2026): a $650,000 home with $130,000 down and a $520,000 loan, at a 780 credit score.

• At Tri Pointe's stated "market rate" of 7.99%, principal and interest are $3,812 a month.
• At the promotional 4.99% note rate, the payment is $2,788 a month for years 2 through 30, and $2,480 in year 1 at 3.99%.
• The builder pays $38,610 in points and fees to get there. That is 5.94% of the price, just under Fannie Mae's 6% limit on seller-paid financing concessions for a loan between 75.01% and 90% of value.

Now compare it with a $38,610 price cut, at the 7.18% average:

Calculated with math.py in our data folder. Tri Pointe's own figures are $3,812, $2,788 and $2,480; the price-cut row is our illustration, not a builder offer.

What the table shows:

• On the monthly payment, the buydown wins by a lot. $2,788 against $3,313 is about $525 a month. Against the 7.18% average with no incentive, the buydown saves about $734 a month, or roughly $44,000 over the first five years.
• The price cut wins in other ways. It lowers your down payment by about $7,700, cuts the 1% base tax by about $386 a year, and keeps your loan balance lower for good. If rates fall and you refinance in a year or two, most of the buydown's value goes away, while a price cut is permanent.
• Strings come with the buydown. You must use the builder's lender, pay list price, lock within five days and close by a set date. "Market rate" in a builder ad is the builder's own figure. Ask two outside lenders for a same-day quote so you know what you are really comparing against.

The "temporary" part. A 1-0 buydown lowers only the first year's payment, from $2,788 to $2,480. That is about $308 a month for 12 months. The permanent drop to 4.99% is where most of the value is. Ask the builder to put in writing which part is temporary and which is permanent, and make sure your lender qualifies you at the full permanent payment.

Know the concession limits. Fannie Mae caps what a builder (or its affiliated lender) can put toward your closing costs and buydown at 3% of the price when your loan is over 90% of value, 6% between 75.01% and 90%, and 9% at 75% or less. A temporary or permanent buydown paid by the builder counts toward that limit. Anything over the cap is treated as a price reduction for loan purposes. On a $555,000 home at 80% loan-to-value, 6% is $33,300, so a "$60,000" offer may not be fully usable on a conventional loan. Richmond American's own fine print says its offer is subject to "applicable seller contribution limits."

What California law requires a builder to give you

• A Notice of Special Tax before you sign. Under Government Code §53341.5, a subdivider may not let you sign a purchase contract or deposit receipt until you have received and signed a "NOTICE OF SPECIAL TAX." It must show the maximum facilities tax for the year, the percentage it will increase each year, the last year it can be levied, and any services tax that may last "forever." If the notice comes after you sign, you have three days after in-person delivery (five days if mailed) to cancel in writing.
• The DRE Public Report. Business and Professions Code §11018.1 requires the builder to give you a copy of the California Department of Real Estate's subdivision Public Report before a binding contract. For an HOA community it must come with a statement telling you to review the CC&Rs and the proposed HOA budget. Read the budget. It shows the expected dues and what they cover.
• A one-year fit-and-finish warranty. Under Civil Code §900, the builder must give at least a one-year written warranty on the fit and finish of cabinets, mirrors, flooring, interior and exterior walls, countertops, paint finishes and trim.
• Construction-defect standards and a long claim period. California's "Right to Repair Act" (SB 800, Civil Code §895 and following) sets building standards and a required pre-lawsuit claim process. Civil Code §941 generally allows claims up to 10 years after substantial completion. Builder contracts often add their own warranty program, claim steps and dispute-resolution or arbitration clauses. Read them before you sign, and consider a real-estate attorney's review.

Prop 37 in San Bernardino County: what to know now

Prop 37's price cap is 125% of the county's one-unit conforming loan limit. San Bernardino County's 2026 limit is $832,750, so the 2026-based cap is about $1,040,938. The largest possible state second loan at the cap would be about $176,959 (17%). Every new home in our builder table falls under that cap. A 17% loan would be about $84,998 on the $499,990 Eave home and about $135,148 on the $794,990 Peri home. The buyer must bring at least 3% from their own money: about $15,000 and $23,850 on those two homes.

Income is the other test. The state's 2026 area median income for San Bernardino County is $106,500 for a family of four (HCD, revised June 23, 2026). Twice that is about $213,000. That is our estimate, because CalHFA has not published its own income table. FHFA usually announces 2027 conforming limits in late November, which will move the cap.

What to do with this: do not delay a home that works today just to wait for Prop 37. The program may not open until as late as December 2027, its rate is unknown, and Prop 37 covers only the first sale of a new home. Today's builder incentive is real money. If you might qualify, keep your paperwork ready and ask each builder in writing which phases will close in 2027.

How to buy a new-construction home: Steps 1–12

Step 1: Bring your own agent on your first visit. Most builders pay a cooperating broker's commission, but many require that your agent be registered on your first visit or first sign-in. If you walk in alone and sign the guest card, you may lose the right to representation for that community. The builder's sales staff work for the builder.

Step 2: Get pre-approved by an outside lender first. Get a written Loan Estimate from at least one lender not connected to the builder before you look at incentives. That is how you will know whether the builder's "market rate" is real and what its buydown is actually worth.

Step 3: Shortlist by full monthly cost, not price. For each community, get the base price, lot premium, projected total tax rate, CFD amounts, HOA dues and an insurance quote. Use the payment table above and the 1.95% ceiling as a stress test.

Step 4: Ask for the incentive sheet in writing, for each lot. Ask for the dollar value, the deadline, which lender and title company you must use, whether you can split the incentive between closing costs and a buydown, whether it can be used with an outside lender, and whether there is a price reduction instead.

Step 5: Run the buydown-vs-price-cut math. Repeat the Tri Pointe comparison with your own numbers. Ask yourself two questions: "If rates fall a point and I refinance in two years, which option did I benefit from more?" and "Can I qualify at the full permanent payment?"

Step 6: Read the Notice of Special Tax and the Public Report before you sign. Write down each CFD's current-year maximum, its annual escalator and its end date, plus the HOA budget. If anything is unclear, use your three-day cancellation window.

Step 7: Read the purchase agreement for these clauses. Look for: the deposit amount and when it becomes nonrefundable; the estimated completion date and what happens if it slips; price-escalation or "changes in plans" language; whether upgrade deposits are refundable; the appraisal and financing contingencies, if any; the warranty program and claim steps; and dispute resolution or arbitration. If the contract does not let you hire your own inspector, ask that it be added.

Step 8: Budget the extras. Design-center upgrades, lot premiums, window coverings, landscaping in a backyard sold "as dirt," and fencing can add thousands. Ask which items count toward the price the appraiser sees and which are paid separately.

Step 9: Hire your own inspector, twice if the home is still being built. Have one inspection before drywall goes up (framing, plumbing, electrical) and one before the final walk-through. New homes have defects too. An independent report gives you a written list for the builder's punch list and for warranty claims.

Step 10: Negotiate what builders will move. Builders rarely cut a list price, but they often negotiate closing costs, upgrades, a lot premium, or a better buydown, especially on a finished "move-in ready" home before year-end. Use local resale competition, such as Ontario 91762's 26.9% price-cut share, and the nearby resale homes you have toured.

Step 11: Do a careful final walk-through. Test every fixture, appliance, door and window. Photograph and list every fit-and-finish issue before closing, because the one-year warranty on those items starts at close.

Step 12: Calendar the warranty and the first tax bill. Write down every request deadline in the builder's warranty program, along with the one-year fit-and-finish date. When your first secured tax bill arrives from the San Bernardino County Treasurer-Tax Collector, check that each CFD line matches what was disclosed. The first year's bill may be prorated or supplemental, so look at the second year too.

Mistakes to avoid

• Visiting the model home alone and signing the guest card before your agent is registered.
• Judging a community by the base price instead of the full payment with CFD taxes, HOA and insurance.
• Assuming every Ontario Ranch home has the same tax rate. Each district and phase is different.
• Ignoring the services CFD's annual escalator (in the city's Park Place example, up to 4.0% a year).
• Comparing the builder's buydown to the builder's own "market rate" instead of an outside lender's quote.
• Counting the first-year teaser payment as your payment.
• Signing before reading the Notice of Special Tax, the Public Report and the HOA budget.
• Skipping an independent inspection because the house is new.
• Missing the incentive deadline (November 15 for the Tri Pointe and Richmond American offers) and finding the terms have changed.
• Waiting for Prop 37 money that has no launch date.

Quick checklist

• Your agent registered on the first visit
• Outside lender pre-approval and a same-day rate quote
• Per-lot sheet: price, lot premium, total tax rate, each CFD amount and escalator, HOA dues
• Insurance quote on the address
• Written incentive terms: dollar value, deadline, required lender and title, buydown vs price-cut option
• Buydown vs price-cut comparison run on your numbers
• Notice of Special Tax, DRE Public Report and HOA budget read and signed
• Purchase agreement reviewed for deposits, completion date, escalation, warranty and dispute clauses
• Upgrade and extras budget
• Pre-drywall and pre-closing independent inspections
• Final walk-through punch list with photos
• Warranty deadlines and the first two tax bills on your calendar

What this means day to day

Ontario Ranch and the West Valley have one of the largest supplies of brand-new homes in Southern California, and builders are motivated going into year-end. This week's listings run from about $500,000 for a small courtyard home to about $795,000 for a four-bedroom detached home, and builder-paid buydowns can lower a payment by several hundred dollars a month. The tradeoffs are a property-tax bill that can be much higher than the 1% base, HOA dues, a builder-written contract, and incentives with tight deadlines and a required lender. At the 7.18% average rate, a $629,900 new home costs about $3,939 a month in principal, interest and base tax, and up to about $4,437 at the city's 1.95% tax ceiling, before insurance and HOA. The buyers who do best come with their own agent and lender, get every tax and incentive in writing for their exact lot, run the buydown-versus-price-cut math, and hire their own inspector.

If you are shopping for a new home in Ontario Ranch, Chino, Fontana or elsewhere in San Bernardino County and want help comparing builders, reading a Notice of Special Tax, or working out whether an incentive is really worth it, call Choice of America at 833-THIS-BROKER (833-842-7465), visit https://choiceofamerica.com/, or see our San Bernardino County page at https://choiceofamerica.com/san-bernardino-county-real-estate.html.

Dr. Hamid Rowshan, Choice of America. DRE #02004794, company DRE #02240008.

This article is general information, not legal, tax, insurance or lending advice. Builder prices, incentives, rates and deadlines change often and are set by each builder. Mortgage rates, loan limits, special-tax rates and ballot-measure outcomes change. Election results cited here are unofficial until certified. The CFD figures are from the City of Ontario's FY 2022–23 reports and illustrate how the taxes work. They are not quotes for any home for sale today. Figures come from the public sources below as of the dates shown. Payment illustrations use stated assumptions and are not quotes. Your lender's Loan Estimate, the builder's purchase agreement and disclosures, your Notice of Special Tax and tax bill, and your insurer's quote control. Consult licensed California professionals, including a real-estate attorney for contract review, before you buy.

Related tools: run your own numbers with our free payment and Mello-Roos calculator and buydown-versus-price-cut comparison, or check flood, fire and earthquake zones on the map.

Sources:

• Realtor.com Research data library: https://www.realtor.com/research/data/
• Realtor.com Residential Data, county inventory core metrics history (October 2026): https://econdata.s3-us-west-2.amazonaws.com/Reports/Core/RDC_Inventory_Core_Metrics_County_History.csv
• Realtor.com Residential Data, ZIP inventory core metrics history (October 2026): https://econdata.s3-us-west-2.amazonaws.com/Reports/Core/RDC_Inventory_Core_Metrics_Zip_History.csv
• FRED, Median Listing Price in San Bernardino County, CA (MEDLISPRI6071): https://fred.stlouisfed.org/series/MEDLISPRI6071
• FRED, Active Listing Count in San Bernardino County, CA (ACTLISCOU6071): https://fred.stlouisfed.org/series/ACTLISCOU6071
• FRED, Median Days on Market in San Bernardino County, CA (MEDDAYONMAR6071): https://fred.stlouisfed.org/series/MEDDAYONMAR6071
• Freddie Mac Primary Mortgage Market Survey (PMMS), week of November 5, 2026: https://www.freddiemac.com/pmms
• RCLCO, "Top 50 Master-Planned Communities, Mid-2026 Sales" (July 30, 2026): https://www.rclco.com/wp-content/uploads/2026/07/Advisory-Top-Selling-MY-MPCs-2026-07-30.pdf
• Tri Pointe Homes, "The Value of Now" Chino and Ontario promotion: https://www.tripointehomes.com/promotion/ca/san-bernardino-county/ocla-the-value-of-now-national-sales-event-chino-ontario
• Richmond American Homes, Inland Empire special offers: https://www.richmondamerican.com/campaigns/1807/
• Risewell Homes, Southern California promotions: https://risewellhomes.com/promotions/region/southern-california
• Risewell Homes, Eave at Neuhouse (Ontario): https://risewellhomes.com/southern-california/inland-empire-new-homes/neighborhoods/eave-at-neuhouse
• Risewell Homes, Peri (Ontario): https://risewellhomes.com/southern-california/inland-empire-new-homes/neighborhoods/peri
• The Resort at Ontario Ranch, New Homes: https://theresortatontarioranch.com/new-homes/
• The Resort at Ontario Ranch, "A New Era of Sports and Entertainment Has Arrived in Ontario": https://theresortatontarioranch.com/a-new-era-of-sports-and-entertainment-has-arrived-in-ontario/
• The Resort at Ontario Ranch, "Something Grand Is Growing in Ontario Ranch": https://theresortatontarioranch.com/something-grand-is-growing-in-ontario-ranch/
• KB Home, New Homes in Ontario Ranch: https://www.kbhome.com/new-homes-california/ontario-ranch
• City of Ontario, October Community Newsletter (Ontario Sports Empire opening; Measure H): https://content.govdelivery.com/accounts/CAONTARIO/bulletins/42bd12f
• City of Ontario, Ontario Ranch Community: https://www.ontarioca.gov/government/community-development/planning/ontario-ranch-community
• Inland Empire News Online, "What Ontario decided in the 2026 election" (unofficial, updated November 10, 2026): https://inlandempirenewsonline.com/what-ontario-decided-in-the-2026-election/
• City of Ontario, Special Districts & CFDs: https://www.ontarioca.gov/government/financial-services/special-districts-cfds
• City of Ontario, Ontario Ranch Bonded Facilities CFDs, FY 2022–23 CFD Tax Administration Report: https://content.ontarioca.gov/sites/default/files/2024-12/Ontario%20Ranch%20Bonded%20Facilities%20CFDs%20Admin%20Report%202022%20%28Final%29.pdf
• City of Ontario, Ontario Ranch Services CFDs, FY 2022–23 CFD Tax Administration Report: https://content.ontarioca.gov/sites/default/files/2024-12/Ontario%20Ranch%20Services%20CFDs%20Admin%20Report%202022%20(Final).pdf
• California Government Code §53341.5 (Notice of Special Tax): https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=GOV&sectionNum=53341.5
• California Business and Professions Code §11018.1 (Public Report): https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=BPC&sectionNum=11018.1
• California Civil Code §900 (fit-and-finish warranty): https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=900
• California Civil Code §941 (10-year limit): https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&sectionNum=941
• Fannie Mae Selling Guide B3-4.1-02, Interested Party Contributions: https://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcs
• FHFA, 2026 conforming loan limits by county (Excel): https://www.fhfa.gov/document/d/cll/fullcountyloanlimitlist2026_hera-based_final_flat.xlsx
• California HCD, 2026 State Income Limits (revised June 23, 2026): https://www.hcd.ca.gov/sites/default/files/docs/grants-and-funding/income-limits-2026.pdf
• Ballotpedia, California Proposition 37 (2026): https://ballotpedia.org/California_Proposition_37,_Second_Mortgage_Homebuyer_Program_and_Revenue_Bond_Initiative_(2026)
• Movoto, "California Housing Propositions 1 and 37: What Homebuyers Need to Know" (timeline, updated November 5, 2026): https://www.movoto.com/blog/california-housing-props-1-and-37/
• U.S. Census Bureau QuickFacts, Ontario and San Bernardino County: https://www.census.gov/quickfacts/fact/table/ontariocitycalifornia,sanbernardinocountycalifornia/PST045225
• San Bernardino County Treasurer-Tax Collector: https://www.mytaxcollector.com/