Mortgage Affordability Calculator Pomona, CA
How much house can you afford in Pomona? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Fred Van Allen - Van Allen Associates Real Estate - Pomona CAVerified
4.9 · 76 reviews · Free pre-approval
Get pre-approved →
The IVRI Group
4.2 · 101 reviews · Free pre-approval
Get pre-approved →
American Pacific Mortgage (NMLS #301505)
5.0 · 60 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Top-rated mortgage brokers in Pomona
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Fred Van Allen - Van Allen Associates Real Estate - Pomona CA
With over 50 years of experience, Van Allen Associates Real Estate specializes in selling historic and vintage homes in Pomona, especially within the Lincoln Park Historic District. The team offers strategic pricing, innovative marketing, and skilled negotiation, with clients appreciating their deep local knowledge and clear communication throughout the selling or buying process.
The IVRI Group
The IVRI Group specializes in supporting individuals who want to build their own real estate businesses through training and licensing. Their team assists clients with buying and selling homes, often praised for clear communication and persistence throughout the process. Some customers note responsiveness can vary, but overall the group helps guide clients smoothly from start to finish.
American Pacific Mortgage (NMLS #301505)
American Pacific Mortgage (NMLS #301505) is known for clear communication and timely updates throughout the loan process. The team offers mortgage brokerage services with a focus on making home financing straightforward and stress-free. Customers appreciate their responsiveness and the helpful guidance they provide from application to closing.
Real Estate & Mortgage Lender Specialist- Jeancarlo Granda
American Pacific Mortgage specializes in a wide range of home loan options, including purchase loans, refinancing, and specialized programs for veterans and self-employed borrowers. The team is known for clear communication and patient guidance, helping clients navigate the mortgage process with confidence, especially first-time homebuyers. Some customers note occasional delays but appreciate the… more...
American Pacific Mortgage specializes in a wide range of home loan options, including purchase loans, refinancing, and specialized programs for veterans and self-employed borrowers. The team is known for clear communication and patient guidance, helping clients navigate the mortgage process with confidence, especially first-time homebuyers. Some customers note occasional delays but appreciate the overall support and responsiveness.
Pomona Mortgage Statistics
Home-purchase lending in Los Angeles County and home costs in Pomona, CA (latest HMDA and Census data)Lenders made 42,509 home-purchase loans in Los Angeles County in 2025 (average about $923,000) and denied 6,267 — 13% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Pomona, the median home is worth $593,800 and 65% of owners have a mortgage, paying a median $2,361 a month (Census ACS 2020–2024).
- Home-purchase loans, 2025
- 42,509▼ 1%43,093 in 2024
- Denial rate
- 13%CA 12%
- Median home value
- $593,800CA $734,700
- Monthly cost with a mortgage
- $2,361median · CA $2,946
- Refinance loans made (Los Angeles County, 2025)
- 42,471 · 30,893 in 2024
- Home-improvement loans made (2025)
- 10,516
- Average home-purchase loan
- $923,000 (CA $711,000)
- Owners with a mortgage
- 65% · 38% of them spend 30%+ of income on housing
- Median household income
- $79,479 (CA $99,122)
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Los Angeles County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Fred Van Allen - Van Allen Associates Real Estate - Pomona CA | 4.9 | 76 | Quoted per loan | (909) 265-7579 | Visit |
| 2 | The IVRI Group | 4.2 | 101 | — | (909) 525-4882 | Visit |
| 3 | American Pacific Mortgage (NMLS #301505) | 5.0 | 60 | Quoted per loan | (909) 397-0900 | Visit |
| 4 | Real Estate & Mortgage Lender Specialist- Jeancarlo Granda | 5.0 | 51 | — | (909) 260-7302 | Visit |
| 5 | Kingston Financial | 5.0 | 1 | — | (626) 734-9108 | — |
How this Pomona mortgage affordability calculator works
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
California rules and numbers this calculator uses
- Debt-to-income
- 31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
- Down payment
- At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
- Property tax
- About 0.69% of the home's value a year, the California average for owner-occupied homes (2024 Census ACS).
- Insurance
- Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
- Rate
- Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
Frequently asked questions
10 questionsHow does the mortgage affordability calculator work in Pomona?
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What is the difference between pre-approval and pre-qualification?
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General information, not financial advice — consult a qualified professional.