Deferred second loan
City of Rancho Cucamonga Homebuyer Assistance Program
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down payment assistance · San Bernardino County
Buying a home in Rancho Cucamonga, CA
1 Rancho Cucamonga program, 8 county programs and 54 statewide.Rancho Cucamonga has 1 program of its own, 8 more across San Bernardino County, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Rancho Cucamonga addresses
Rancho Cucamonga’s own program
Anywhere in San BernardinoAnywhere in San Bernardino County
8 county programs8 county programs a Rancho Cucamonga homebuyer can also use
- NHSIE CalHome Program - Inland EmpireUp to $55,000
- Inland Empire Down Payment Assistance Program (IEDPA)Up to $40,000
- Affordable Homes Inland Empire (AHIE) DPADeferred
- GSFA Platinum Grant - San Bernardino County SpecificGrant
- Housing Authority County of San Bernardino Homeownership Assistance ProgramDeferred
- Neighborhood Housing Services of the Inland Empire (NHSIE) PLHA DPADeferred
- Neighborhood Partnership Housing Services (NPHS) CalHome DPADeferred
- NPHS Neighborhood Partnership Housing Services DPA - Inland EmpireDeferred
4 more programs are for homes in Victorville, Apple Valley, Ontario and Redlands. See them 4 programs in neighboring cities — for homes inside those cities, not Rancho Cucamonga
- Victorville — City of Victorville First-Time Homebuyer Assistance
- Apple Valley — City of Apple Valley Homebuyer Assistance Program
- Ontario — City of Ontario First-Time Homebuyer Program
- Redlands — City of Redlands First-Time Homebuyer Program
The Rancho Cucamonga marketThe Rancho Cucamonga housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Rancho Cucamonga
- 62.5% single-familysingle-family
- 7.7% townhousetownhouse
- 6.1% 2–4 units2–4 units
- 21.5% 5+ unitscondo & apartment buildings (5+ units)
- 2.3% mobile & othermobile home & other
Condos count. All 9 of Rancho Cucamonga’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Rancho Cucamonga’s homes were built
pre-19401970s2020+
29%
of Rancho Cucamonga homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$106,500
County area median income, 4 people (HUD)HUD area median income, San Bernardino County, 4-person household (2026)
$111,895
Rancho Cucamonga median household incomeMedian household income in Rancho Cucamonga (Census, 2024)
59 of the 125 programs here set their income limit as a share of San Bernardino County’s area median income, adjusted for household size. See the published limits for San Bernardino County
Free help nearbyFree help near Rancho Cucamonga
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
8 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.8 of the 9 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Rancho Cucamonga questions
Does Rancho Cucamonga have its own down payment program?
Yes, one: City of Rancho Cucamonga Homebuyer Assistance Program, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Rancho Cucamonga.
Can I use assistance on a condo in Rancho Cucamonga?
All 9 of Rancho Cucamonga’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in San Bernardino County?
Each program sets its own. 59 of the programs here set theirs as a share of HUD’s area median income for San Bernardino County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Rancho Cucamonga?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Rancho Cucamonga. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
91701 · 91729 · 91730 · 91737 · 91739
Nearby in San Bernardino
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.