San Bernardino County down payment assistance: which programs are open now, how to check whether you qualify, and how to run the numbers before you write an offer

For most first-time buyers in San Bernardino County, the monthly payment is not the first hurdle. The cash is. Realtor.com's September 2026 data put the county's median listing price at $531,944. A traditional 20% down payment on that price is about $106,389, before closing costs. With 3.5% down on an FHA loan, the down payment drops to about $18,618. Down payment assistance can cover all or part of that, through deferred second loans that require no monthly payment until you sell or refinance.

The programs change often. Some close when funds run out, and some are open only by lottery. This guide covers what was verifiably available as of October 22, 2026. That includes the California Housing Finance Agency's (CalHFA) MyHome Assistance Program and Zero Interest Program (ZIP), the Golden State Finance Authority's (GSFA) Platinum program, and San Bernardino-based Neighborhood Housing Services of the Inland Empire (NHSIE). It also notes which programs are closed right now, including CalHFA's Dream For All lottery and the Inland Empire Down Payment Assistance Program. You will then find, step by step, how to check the first-time buyer rule, the income limits, credit score and debt-to-income limits, the education requirement, and how to run your own numbers.

The market behind the numbers

Realtor.com's September 2026 data put San Bernardino County's median listing price at $531,944. That is down from $534,900 in August and 0.1% below the $532,500 median of September 2025. It is also about 2.4% below the county's highest monthly median in Realtor.com's data, $545,000 in June 2025. The median listing price per square foot was $331, compared with $335 a year earlier, and the median listed home was 1,662 square feet. These figures cover houses and condos together. Listing prices are asking prices, not sale prices or appraisals.

There were 6,141 active listings in September, about 1.0% more than the 6,079 of a year earlier. New listings rose to 2,138 from 2,066 (up about 3.5%). Pending listings, homes with an accepted offer that had not yet closed, fell to 1,952 from 2,130, a drop of about 8.4%. The median listing spent 65 days on the market, up from 64 in August but below the 71 days of September 2025.

The price-cut share. Realtor.com reports that about 18.1% of San Bernardino County listings had a price reduction in September. That is down from 18.7% in August and up from 16.9% in September 2025. Across the other counties Choice of America serves, the September share was 15.9% in Los Angeles County, 17.0% in Riverside County, 20.4% in San Diego County, and 21.1% in Orange County. More price cuts and longer market times give buyers more room to ask a seller for closing-cost credits, which can be combined with assistance (see Step 8).

The rate. Freddie Mac's average 30-year fixed rate (Primary Mortgage Market Survey, PMMS) was 7.32% for the week of October 22, 2026. That is down from 7.40% the week before but up from 6.19% a year earlier. The 15-year fixed averaged 6.68%, down from 6.71% the week before. PMMS is a survey of conventional loans. CalHFA, FHA, and GSFA rates are set by each lender's daily rate sheet and will be different.

What that means for a buyer. As an illustration, 20% down on the $531,944 median means a $425,555 loan. At 7.32%, principal and interest come to about $2,923 a month. On last September's $532,500 median at the 6.19% rate of a year ago, the same 20%-down loan of $426,000 would have cost about $2,606. The median listing price is nearly unchanged, but the payment is about $317 a month higher. You can check it in a spreadsheet: =PMT(0.0732/12, 360, -425555) returns about $2,923. These figures leave out property taxes, insurance, HOA dues, and mortgage insurance.

What is open, what is closed (as of October 22, 2026)

Two cautions apply to that table. First, "offered" is not "funded for you." Every program depends on lender participation, funds being available on the day your loan is reserved, and underwriting approval. Second, assistance is not free money in most cases. MyHome, ZIP, CalHome, and Dream For All are loans you repay when you sell, refinance, or pay off the first mortgage. GSFA's Standard option has a monthly payment. Read Step 9 before you choose.

Step 1: Check whether you count as a "first-time" buyer

Most of these programs are for first-time buyers, and the definition is broader than many people think.

How to do it:

1. Apply the three-year rule. CalHFA defines a first-time homebuyer as someone who has not had an ownership interest in any principal residence, and has not lived in a home owned by a spouse, during the previous three years. If you owned a home more than three years ago, you may qualify again.
2. Check every borrower. For MyHome, all borrowers, including co-borrowers, must live in the home and meet the first-time definition. Non-occupant co-borrowers and co-signers are not allowed. A parent who wants to co-sign but will not live with you cannot be on a MyHome loan.
3. Plan to move in within 60 days. CalHFA requires every borrower to occupy the home as a primary residence within 60 days of closing.
4. Check citizenship and residency status. Each borrower must be a U.S. citizen, another U.S. national, or a "qualified alien" as defined in federal law (8 U.S.C. § 1641).
5. If you are not a first-time buyer, look at GSFA Platinum. GSFA says both first-time and repeat buyers may qualify. A CalHFA FHA, VA, or USDA first mortgage without CalHFA assistance also has no first-time buyer requirement, but then you would not get MyHome.
6. For Dream For All's next round, if there is one, at least one borrower must also be a first-generation buyer. CalHFA's definition includes someone who has not owned a home in the U.S. in the last seven years and whose parents, to the best of the buyer's knowledge, do not own a home in the U.S. Other parts of the definition apply in certain cases, including for former foster youth.

Step 2: Check your income against the right limit

Each program uses its own limit, so check the one that applies.

How to do it:

1. Start with the income a lender would use: base pay, steady overtime or bonus with a history, self-employment income from your tax returns. Do not include income you cannot document.
2. Compare it with the CalHFA $210,000 limit. Most buyers of a median-priced San Bernardino County home will fall under it. The worked example in Step 6 needs roughly $117,000 to $130,000 a year.
3. For NHSIE's programs, count your household size and compare with the table. Note the gap: a four-person household earning $98,400, the CalHome limit, may have trouble qualifying for a median-priced home at today's rates without a large subsidy. Ask NHSIE how its loans are being used at current prices.
4. If you are near a limit, ask your lender to calculate your qualifying income before you lock a rate. CalHFA checks income at reservation, and the 2026 limits apply to reservations made on or after June 30, 2026.

Step 3: Check your credit score and debt-to-income ratio

Assistance does not replace underwriting. You still have to qualify for the first mortgage.

CalHFA uses the middle score of the lowest-scoring borrower. Borrowers with no credit score are not eligible, and CalHFA does not accept non-traditional credit. CalHFA also says a Mortgage Credit Certificate can be layered with its government loans but cannot be used to qualify.

How to do it:

1. Pull your credit from all three bureaus and find your middle score. If you have a co-borrower, find theirs too. The lower of the two middle scores is the one that counts.
2. Add up your monthly debts as they appear on your credit report: car loans, student loans (your lender will tell you what payment it counts), minimum credit card payments, personal loans.
3. Add your estimated new housing payment: principal and interest, mortgage insurance, property tax, homeowners insurance, and any HOA dues.
4. Divide the total by your gross monthly income. If the result is over 45% (or 50% with a 700+ score), you need a lower price, less debt, more income, or a co-borrower who will live in the home.
5. Quick fixes: paying down credit card balances before your lender pulls credit can help your score, and paying off a small installment loan can lower your DTI. Ask your lender which payoff helps most before you spend cash you may need for closing.

Step 4: Complete homebuyer education early

CalHFA requires homebuyer education and counseling for one occupying first-time borrower on each loan. CalHFA's government loan handbook says the certificate is good for one year.

How to do it:

1. Online: CalHFA accepts only eHome's eight-hour Homebuyer Education and Counseling course online (fee: $100). CalHFA says other online courses such as Frameworks and HomeView are not acceptable because they do not include a one-hour, one-on-one counseling session.
2. In person or virtual: take a live class through NeighborWorks America or any HUD-approved housing counseling agency (fees vary). Locally, San Bernardino County's housing department points buyers to NPHS (800-761-6747), which issues homebuyer education certificates.
3. For Dream For All, a separate one-hour, free online course on shared appreciation is also required.
4. Do it before you shop. It takes a weekend, and a counselor can review your budget and credit before a lender does.

Step 5: Pick the loan and assistance combination that fits

Most San Bernardino County first-time buyers will choose among these combinations:

• CalHFA FHA + MyHome. MyHome covers up to 3.5% of the price, which matches FHA's 3.5% minimum down payment. CalHFA allows a combined loan-to-value of up to 105%, which leaves room to layer ZIP or other approved assistance for closing costs.
• CalPLUS FHA + MyHome + ZIP. This option adds ZIP, a 0% deferred loan of 2% or 3% of the first mortgage, for closing costs only. The trade-off is a slightly higher first-mortgage rate than standard CalHFA FHA. Ask your lender to price both.
• CalHFA Conventional + MyHome (3%). Conventional lets you go up to 97% loan-to-value, uses private mortgage insurance instead of FHA insurance, and needs a higher score (660 or 680).
• GSFA Platinum with FHA, VA, USDA, or conventional financing. This is the main option if you are not a first-time buyer. It is also an option for buyers who prefer it over CalHFA's loans.
• CalHFA VA or USDA + MyHome (3%). VA and USDA loans can go to 100% loan-to-value, so MyHome would go toward closing costs. USDA loans are only available in eligible rural areas, so check the address on USDA's property eligibility map before you count on one.
• Layering local help. CalHFA allows other assistance to be layered on top, as long as MyHome stays in second position and the combined loan-to-value stays within the limit. If an NHSIE loan is available, ask the lender whether it can be layered.

How to do it:

1. Ask two or three lenders to price the same home two ways, for example CalHFA FHA + MyHome versus CalPLUS FHA + MyHome + ZIP. Compare the rate, the APR, and the cash to close.
2. Ask each lender which programs it actually offers. CalHFA and GSFA work only through approved or participating lenders, and not every lender offers every program.
3. Check the fees. For MyHome, the lender can charge a total processing fee of no more than $250. For ZIP, the cap is $50. On its government (FHA, VA, USDA) loans, CalHFA caps customary lender fees at the greater of 3% of the loan amount or $3,000, plus customary third-party fees.

Step 6: Run the numbers on a median-priced home

Here is the method. The buyer, the property tax rate, the insurance premium, and the other debts below are hypothetical. The rate is Freddie Mac's 7.32% PMMS average for October 22, used only for illustration. A CalHFA FHA or CalPLUS rate will be different, so get a real quote.

Hypothetical buyer: a first-time buyer purchasing a San Bernardino County home at the $531,944 September median listing price with a CalHFA FHA loan and MyHome.

That income is well under CalHFA's $210,000 San Bernardino County limit. If the buyer chose CalPLUS FHA with ZIP, a 3% ZIP loan would be about $15,669 (3% of the $522,309 first mortgage), or about $10,446 at 2%, toward closing costs, at a somewhat higher first-mortgage rate.

Compare that with 20% down. A conventional buyer putting 20% down needs about $106,389 in cash for the down payment, about $87,771 more than the FHA buyer's 3.5%. The 20%-down buyer's principal and interest, about $2,923, is about $665 a month lower than the FHA example, and that buyer pays no mortgage insurance. Assistance helps with cash at closing. It does not make the monthly payment smaller. Make sure the monthly number works before you rely on it.

GSFA Platinum Standard, hypothetical. Assistance of 5% of the same $522,309 first mortgage would be about $26,115. As a 15-year fully amortizing second loan at the first mortgage's rate (7.32% here), it would add about $239 a month for 15 years. Count that payment in your DTI.

How to do it:

1. Use the actual asking price of the home you want. Multiply by 3.5% (FHA) or 3% (conventional) for the minimum down payment and maximum MyHome amount.
2. Get a real rate quote for the specific CalHFA or GSFA product. Do not use the PMMS average.
3. Use your city's actual tax rate. Look up a nearby home's tax bill. Some neighborhoods have Mello-Roos or other special assessments on top of the 1% base. Get a real insurance quote too; premiums vary widely by location and wildfire risk.
4. Run your DTI with the full payment plus your debts (Step 3).
5. Estimate closing costs with your lender's Loan Estimate, then subtract any ZIP, seller credit, or leftover assistance to find your true cash to close.

Step 7: Choose a lender and get pre-approved

How to do it:

1. Find approved lenders. CalHFA's "Find a Loan Officer" directory and its "Am I Eligible" tool list CalHFA-approved loan officers. GSFA lists participating lenders on its site. CalHFA does not lend directly to consumers.
2. Have your documents ready. CalHFA suggests pay stubs, bank statements, employment history, and previous tax returns. Add your ID, two years of W-2s or 1099s, and any explanation letters for credit issues.
3. Ask every lender these questions:
   • Which CalHFA and GSFA programs do you offer, and which would you recommend for me?
   • What is today's rate and APR on each option, compared with your standard FHA or conventional loan?
   • What is my estimated cash to close with and without assistance?
   • Can you layer a local program, such as an NHSIE loan, if one is available?
   • How long does it take to reserve assistance and get the loan purchased? Will that fit a 30-day escrow?
4. Get a pre-approval letter that names the program. Sellers and listing agents take an offer more seriously when the letter shows the assistance has been reviewed.

Step 8: Shop and write the offer with assistance in mind

How to do it:

1. Check the property type. CalHFA programs cover single-family, one-unit homes, including approved condos and PUDs. A guest house, granny unit, or in-law quarters may be eligible; only one accessory unit is allowed. Manufactured homes are permitted with conditions (for CalHFA FHA, minimum score 660 and maximum DTI 45%; single-wide homes are not eligible). NHSIE says its assistance does not apply to manufactured homes in parks or on leased land. Condos must meet the first mortgage's guidelines, so ask your lender to check the complex before you write.
2. Budget for a home warranty. CalHFA requires first-time buyers to have a one-year home warranty on any resale home. It must cover the water heater, air conditioning, heating, and oven, stove, or range. Ask the seller to pay for it.
3. Ask for closing-cost credits. With about 18.1% of county listings taking price cuts and a median of 65 days on the market, many sellers will consider paying part of your closing costs. FHA and CalHFA limits on seller credits apply, so confirm the maximum with your lender before you write the number into your offer.
4. Allow enough time to close. Tell your agent and the seller up front which program you are using, and set an escrow period your lender says it can meet.
5. Keep your own funds clean. Do not move large sums, open new credit, or change jobs during escrow without asking your lender first. MyHome funds cannot be used to pay off debt, and you cannot get cash back from them.

Step 9: Understand how and when you pay the money back

This is the step most buyers skip.

• MyHome. CalHFA describes MyHome as a deferred-payment, simple-interest second loan. Payments are deferred for the life of the first mortgage. The principal and interest come due at the earliest of: transfer of title, sale of the property, payoff or refinance of the first loan, or the recording of a notice of default (unless rescinded). Ask your lender for the MyHome interest rate on your reservation and how much would be owed after 5 or 10 years.
• ZIP. ZIP has a 0% interest rate. The principal comes due at transfer of title, payoff or refinance of the CalPLUS FHA first mortgage, or a recorded notice of default.
• The refinance catch. With rates above 7%, many buyers plan to refinance if rates fall. Under CalHFA's terms, refinancing the first mortgage makes MyHome (and ZIP) due. Plan for it: you would need enough equity or cash to pay them off as part of the refinance.
• GSFA Platinum Standard is repaid monthly over 15 years at the first mortgage's rate. GSFA's "Assist-to-Own" option, a deferred 0% loan, is only for employees of GSFA member counties, and San Bernardino County is not on GSFA's list of eligible counties of employment.
• NHSIE CalHome is deferred for 30 years at 3% simple interest. SOAR has a 30-year amortization with a balloon payment due in 10 years (FHA) or 15 years (conventional), at an interest rate that matches the first mortgage, capped at 5%.
• Dream For All is repaid with a share of the appreciation. Hypothetical example: a 20% loan on a $531,944 home is about $106,389, under the $150,000 cap. If the home later sells for 10% more, the appreciation is about $53,194. The buyer would repay the $106,389 plus 20% of that appreciation (about $10,639), or about $117,028 in total. Buyers at or below 80% of area median income pay a reduced share, 15% in CalHFA's example, or about $7,979, for about $114,368 in total.

How to do it:

1. Ask for the repayment terms in writing for every assistance loan, including the interest rate and what triggers repayment.
2. Estimate the payoff at 5 and 10 years using the rate on your note.
3. Plan your refinance strategy before you buy, not after rates drop.

Step 10: Check local options, and keep checking

How to do it:

1. Start with NHSIE (1845 Business Center Drive South, Suite 120, San Bernardino; 909-884-6891; info@nhsie.org). It lists 2026 income limits for SOAR, CalHome, and the Manufactured Homes Mortgage Assistance Loan. For CalHome, it asks buyers to confirm with Maria Solis (maria.solis@nhsie.org or 909-963-5211) that funds are available.
2. Check NPHS (Rancho Cucamonga; 909-988-5979) for homebuyer education and any new funding round. Its IEDPA page says all funds have been committed.
3. Call your city's housing office. The county no longer runs a down payment program. Its directory of outside agencies, which lists city programs in places such as Fontana, Ontario, and Upland, is dated June 2020, so confirm whether each program still exists.
4. Watch CalHFA's announcements page and sign up for its eNews for any future Dream For All round. If you were waitlisted in 2026, check the voucher portal and your email.

A sample timeline

• This week: pull your credit; add up your debts; check the first-time and income rules; sign up for homebuyer education.
• Within two weeks: finish the course; talk to two or three CalHFA-approved or GSFA-participating lenders; compare price and cash to close; get a program-specific pre-approval.
• When you shop: confirm the property type and condo eligibility, and look for listings with price cuts or long market times where a seller credit is realistic.
• In your offer: name the program, ask for closing-cost credits and a one-year home warranty, and allow enough escrow time.
• After closing: move in within 60 days, keep your assistance documents, and set a refinance plan that accounts for repaying MyHome or ZIP.

A down payment assistance checklist for San Bernardino County buyers

1. First-time buyer under the three-year rule (all borrowers, for MyHome); everyone on the loan will live in the home
2. Qualifying income under the right limit (CalHFA $210,000; Dream For All $168,000; NHSIE household-size limits)
3. Middle credit score at least 640 (FHA) or 660 to 680 (conventional); DTI within 43% to 50%, depending on loan and score
4. Homebuyer education certificate (eHome $100 online with counseling, or a HUD-approved or NeighborWorks agency), less than one year old
5. Two or three lender quotes comparing CalHFA FHA + MyHome, CalPLUS FHA + ZIP, conventional, and GSFA Platinum
6. Real tax rate (including any Mello-Roos) and insurance quote used in the payment math
7. Property type eligible; condo complex checked
8. One-year home warranty in the offer (first-time buyers on resales)
9. Repayment terms of every assistance loan in writing, including what happens on a refinance
10. Local programs (NHSIE, your city) checked for current funding

What this means day to day

From Ontario, Rancho Cucamonga, Fontana, and Rialto to San Bernardino, Redlands, Yucaipa, Hesperia, Victorville, and Apple Valley, first-time buyers face a 7.32% average rate and a median listing price that has barely moved in a year. For many households, the down payment, not the monthly payment, is what keeps them renting. Deferred assistance such as MyHome and ZIP can turn a $106,000 cash problem into a much smaller one. But it adds debt, it comes due when you refinance or sell, and it does not lower the monthly payment. Take the class, run your own numbers with real quotes, and confirm the program is funded before you write an offer.

At Choice of America, we help San Bernardino County buyers run the payment and cash-to-close math, connect with lenders who offer CalHFA and GSFA programs, and write offers that ask for the seller credits and home warranty these programs call for. Visit our San Bernardino County page for local guidance, or call or text us to go over your numbers.

Choice of America · San Bernardino County real estate

Dr. Hamid Rowshan, DRE #02004794, company DRE #02240008. Choice of America, serving Orange, Los Angeles, Riverside, San Bernardino, and San Diego counties. Call or text 833-THIS-BROKER, (833) 842-7465.

Payment figures are illustrations based on the September 2026 median listing price and Freddie Mac's 30-year PMMS average for the week of October 22, 2026 (7.32%), which is a survey of conventional loans. CalHFA, FHA, and GSFA rates differ and change daily. FHA mortgage insurance figures use HUD's published premium schedule (1.75% upfront; 0.55% annual for a base loan of $726,200 or less above 95% loan-to-value) and are approximations. The buyer, the 1.10% property tax rate, the $1,800 annual insurance premium, the $400 monthly debt, and the 10% appreciation in the Dream For All example are hypothetical, used only to show the method. Program terms, income limits, and funding status are summarized from CalHFA, GSFA, NHSIE, NPHS, HUD, and San Bernardino County sources as of October 22, 2026, and can change or close without notice. Not every applicant will qualify. Confirm current terms with a CalHFA-approved or GSFA-participating lender or the program administrator. Choice of America is a real estate brokerage, not a lender. This article is general information, not lending, legal, or tax advice.

Sources:

• Realtor.com Residential Data, county inventory core metrics (September 2026 and history: median listing price, price per square foot, median square feet, active, new, and pending listings, days on market, price_reduced_share, five-county comparison, June 2025 peak): https://www.realtor.com/research/data/ (county files: https://econdata.s3-us-west-2.amazonaws.com/Reports/Core/RDC_Inventory_Core_Metrics_County.csv and https://econdata.s3-us-west-2.amazonaws.com/Reports/Core/RDC_Inventory_Core_Metrics_County_History.csv)
• Realtor.com via FRED (same data series), San Bernardino County, CA: Median Listing Price (MEDLISPRI6071) https://fred.stlouisfed.org/series/MEDLISPRI6071; Median Days on Market (MEDDAYONMAR6071) https://fred.stlouisfed.org/series/MEDDAYONMAR6071; Active Listing Count (ACTLISCOU6071) https://fred.stlouisfed.org/series/ACTLISCOU6071
• Freddie Mac Primary Mortgage Market Survey (30-year and 15-year fixed, weeks of October 15 and 22, 2026, and October 23, 2025): https://www.freddiemac.com/pmms and https://www.freddiemac.com/pmms/docs/historicalweeklydata.xlsx (also on FRED: https://fred.stlouisfed.org/series/MORTGAGE30US)
• CalHFA, MyHome Assistance Program: https://www.calhfa.ca.gov/homebuyer/programs/myhome.htm ; MyHome Program Handbook (last revised October 19, 2026): https://www.calhfa.ca.gov/homeownership/programs/myhome.pdf
• CalHFA, CalPLUS FHA: https://www.calhfa.ca.gov/homebuyer/programs/calplus.htm ; CalHFA FHA: https://www.calhfa.ca.gov/homebuyer/programs/fha.htm ; CalHFA Conventional: https://www.calhfa.ca.gov/homebuyer/programs/conventional.htm ; Loan Programs: https://www.calhfa.ca.gov/homebuyer/programs/index.htm
• CalHFA, Government Loan Programs Handbook (credit score, DTI, ZIP, MyAccess, home warranty, education, fees): https://www.calhfa.ca.gov/homeownership/programs/loans-gov.pdf ; Conventional Loan Programs Handbook (June 2026): https://www.calhfa.ca.gov/homeownership/programs/loans-conventional.pdf ; Government Loan Programs Matrix (updated January 1, 2026): https://www.calhfa.ca.gov/homeownership/materials/files/tool-matrix-gov.pdf
• CalHFA, 2026 Income Limits for All CalHFA First Mortgages and Subordinate Mortgages (effective June 30, 2026): https://www.calhfa.ca.gov/homeownership/limits/income/income.pdf ; 2026 Dream For All Income Limits: https://www.calhfa.ca.gov/homeownership/limits/income/income-cadfa.pdf ; Program Bulletin #2026-07, Updated Income Limits (June 25, 2026): https://www.calhfa.ca.gov/homeownership/bulletins/2026/2026-07.pdf
• CalHFA, Borrower Eligibility (first-time and first-generation definitions, education): https://www.calhfa.ca.gov/homebuyer/borrower.htm ; Find a Loan Officer: https://www.calhfa.ca.gov/homebuyer/lenders.htm ; Am I Eligible: https://welcomehome.calhfa.ca.gov/
• CalHFA, California Dream For All Shared Appreciation Loan (portal closed March 16, 2026; vouchers released May 20, 2026; up to 20%, $150,000 cap; appreciation-share examples): https://www.calhfa.ca.gov/dream/ ; Program Bulletin #2026-04 (May 21, 2026): https://www.calhfa.ca.gov/homeownership/bulletins/2026/2026-04.pdf ; Announcements: https://www.calhfa.ca.gov/whatsnew.htm
• Golden State Finance Authority, GSFA Platinum Down Payment Assistance: https://www.gsfahome.org/programs/dpa/platinum.shtml ; DPA Income Limits: https://gsfahome.org/programs/dpa/limits.aspx/1000
• Neighborhood Housing Services of the Inland Empire, Down Payment Assistance (SOAR, CalHome, Manufactured Homes Mortgage Assistance Loan, 2026 income limits): https://nhsie.org/down-payment-assistance/
• Neighborhood Partnership Housing Services, Inland Empire Down Payment Assistance Program ("All funds have been committed"): https://nphsinc.org/iedpa ; Inland Empire Community Foundation announcement (February 4, 2025): https://www.iegives.org/iedpa/
• San Bernardino County Community Development and Housing Department, Home Ownership Resources: https://cdh.sbcounty.gov/home-ownership-resources/ ; Down Payment Assistance Directory (revised June 8, 2020): https://cdh.sbcounty.gov/wp-content/uploads/sites/117/DownPaymentAssistanceList.pdf
• U.S. Department of Housing and Urban Development, FHA 2026 Areas Above Floor and Below Ceiling (San Bernardino County one-unit limit $690,000): https://www.hud.gov/sites/dfiles/SFH/documents/FHA-2026-Areas-Above-Floor-and-Below-Ceiling.pdf ; Mortgagee Letter 2025-23, 2026 Nationwide Forward Mortgage Loan Limits (national conforming limit $832,750): https://www.hud.gov/sites/dfiles/hudclips/documents/2025-23hsgml.pdf ; Mortgagee Letter 2023-05, FHA Annual MIP Rates (1.75% upfront; 0.55% annual): https://www.hud.gov/sites/dfiles/OCHCO/documents/2023-05hsgml.pdf