Pomona First-Time Homebuyer Program: Up to $100K in Grants (2026) | The Borges Real Estate Team
The Borges Real Estate Team

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

$100,000Maximum Down Payment Assistance in Pomona

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.

Standout Feature: Pomona's MAP has a 45-year term—the longest deferral period of any DPA program in Los Angeles County. Plus, 1/45th of the equity sharing is forgiven each year you live in the home.

Pomona MAP Program Details

Program at a Glance

Maximum Assistance$100,000
Loan TypeSilent Second Mortgage
Monthly PaymentsNone (Deferred)
Term Length45 Years
Equity SharingYes (with forgiveness)
First-Time BuyerRequired
Property LocationPomona City Limits
Property TypesSFH, Detached Condos

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:

Forgiveness Example:

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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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 SizeMaximum 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.

Questions About Your DPA Options?

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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

  1. Contact a Participating Lender: Get pre-qualified for a first mortgage and inform them you'll be using Pomona's MAP program.
  2. Complete Homebuyer Education: Take an 8-hour, HUD-approved homebuyer education course.
  3. Submit Application: Contact City of Pomona Housing Division at 909-620-2368 or visit City Hall at 505 S. Garey Ave.
  4. Find Your Home: Work with a real estate agent to locate an eligible property within Pomona city limits.
  5. 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

FeaturePomona MAPLA County HOP80
Maximum Amount$100,000$100,000
Deferral Period45 years30 years
Equity ForgivenessYes (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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Disclaimer: Program terms, funding availability, and income limits are subject to change. Information provided is accurate as of January 2025 but should be verified with the City of Pomona Housing Division before making financial decisions.