Pomona First-Time Homebuyer Program: Up to $100K in Grants (2026)
Up to $100,000 for first-time homebuyers with 45-year deferred payments and equity forgiveness
The City of Pomona offers one of the most generous down payment assistance programs in Los Angeles County. Unlike programs that cap at $50,000 or less, Pomona's MAP program provides up to $100,000—enough to cover a 20% down payment on a $500,000 home with room for closing costs.
Pomona MAP Program Details
Program at a Glance
How the Equity Sharing Works
Pomona's MAP includes a shared appreciation component, meaning the City shares in your home's value increase based on the percentage of their assistance to your purchase price. However, this equity sharing is gradually forgiven:
If you receive $100,000 toward a $500,000 home purchase (20% assistance), the City would normally share 20% of appreciation when you sell. But 1/45th of that sharing is forgiven each year.
• After 10 years: ~22% of equity share forgiven
• After 20 years: ~44% of equity share forgiven
• After 45 years: 100% of equity share forgiven
When Repayment Is Triggered
- You sell the home
- You refinance with cash out
- There's a change in title (ownership transfer)
- 45 years from loan origination (if none of the above occur)
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Browse MAP-eligible properties within Pomona city limits
View Pomona Homes Under $700K →2025 Income Limits for Pomona MAP
Pomona uses Los Angeles County income limits (80% AMI) for the MAP program. Here are the current limits effective May 2025:
| Household Size | Maximum Annual Income |
|---|---|
| 1 Person | $84,850 |
| 2 Persons | $96,950 |
| 3 Persons | $109,050 |
| 4 Persons | $121,150 |
| 5 Persons | $130,850 |
| 6 Persons | $140,550 |
| 7 Persons | $150,250 |
| 8 Persons | $159,950 |
Source: City of Pomona Housing Services, effective May 2025. Subject to change without notice.
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Eligibility Requirements
Buyer Qualifications
- First-Time Homebuyer: No ownership interest in any residential property within the past 3 years
- Income Eligible: Household income at or below 80% AMI
- Homebuyer Education: Must complete 8-hour HUD-approved course
- Primary Residence: Must occupy the home as your principal residence
Property Requirements
- Single-family home OR detached condominium
- Located within Pomona city limits
- Must pass property inspection
- Will be your primary residence
How to Apply for Pomona MAP
- Contact a Participating Lender: Get pre-qualified for a first mortgage and inform them you'll be using Pomona's MAP program.
- Complete Homebuyer Education: Take an 8-hour, HUD-approved homebuyer education course.
- Submit Application: Contact City of Pomona Housing Division at 909-620-2368 or visit City Hall at 505 S. Garey Ave.
- Find Your Home: Work with a real estate agent to locate an eligible property within Pomona city limits.
- Close on Your Home: Your lender coordinates the MAP funds with your first mortgage at closing.
Contact Information
City of Pomona Housing Division
505 South Garey Avenue, Pomona, CA 91766
Phone: 909-620-2368
Hours: Monday–Thursday, 7:30 AM–6:00 PM (Closed Friday)
Why Pomona MAP Stands Out
| Feature | Pomona MAP | LA County HOP80 |
|---|---|---|
| Maximum Amount | $100,000 | $100,000 |
| Deferral Period | 45 years | 30 years |
| Equity Forgiveness | Yes (1/45 per year) | No |
| Income Limit (Family of 4) | $121,150 | $121,150 |
Frequently Asked Questions
How much down payment assistance does Pomona's MAP program offer?
Pomona's Mortgage Assistance Program provides up to $100,000 in down payment assistance for income-eligible first-time homebuyers purchasing within Pomona city limits.
What are the 2025 income limits for Pomona's MAP program?
For 2025 (effective May 2025): 1 person $84,850; 2 persons $96,950; 3 persons $109,050; 4 persons $121,150; 5 persons $130,850.
Do I have to make monthly payments on Pomona MAP assistance?
No monthly payments are required. The MAP loan is deferred until the home is sold, refinanced with cash out, title change occurs, or at the end of 45 years.
Is there equity sharing with Pomona's MAP program?
Yes. The City shares in equity growth based on the percentage of assistance to purchase price. However, 1/45th of the equity sharing is forgiven for each full year you occupy the home.
What properties qualify for Pomona MAP assistance?
Single-family homes and detached condominiums located within Pomona city limits qualify. The property must be your primary residence.
How do I apply for Pomona's MAP program?
Contact a participating lender to get pre-qualified, complete an 8-hour HUD-approved homebuyer education course, then apply through the City of Pomona Housing Division at 909-620-2368.
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