10972 White Oak Lane
Fontana, CA, 92337
$775,000
MLS: IV26042083
Beds
5
Baths
3
Sq Ft
2,605
Lot
0.13 ac
Year Built
2005
MLS #
IV26042083
Days on Market
15
Listed
Feb 25, 2026
Description
Beautiful two-story home located in a desirable Fontana neighborhood! This spacious residence offers 5 bedrooms and 3 full bathrooms, including one bedroom and one full bath conveniently located downstairs—perfect for guests or multi-generational living. The home features an open-concept kitchen with a center island that flows seamlessly into the family room, ideal for entertaining. You’ll also enjoy a formal living room, providing additional space for gatherings and special occasions. Step outside to your private backyard oasis featuring a sparkling pool and spa, built-in BBQ, and covered patio, perfect for summer entertaining and relaxing weekends. Situated in a quiet cul-de-sac, this property offers added privacy and a welcoming neighborhood feel. Additional highlights include a 3-car garage, generous lot size, and a prime location near the 10 and 15 freeways for easy commuting. Just minutes away from shopping centers, schools, and everyday conveniences. This home truly offers the perfect blend of comfort, space, and location!
Location
Fontana, San Bernardino County, CA 92337
Open on Google Maps ↗Listed by: GABRIEL PADILLA · H & R REALTY
Payment estimate
$5,683
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $77,500 · Loan: $697,500
- Principal & Interest
- $4,286
- Property tax (1.25%)
- $807
- Homeowners insurance
- $300
- Mortgage insurance
- $291
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Fontana home with as little as 3.5% down using an FHA loan — roughly $27,125 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
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