12794 Mosaic
Rancho Cucamonga, CA, 91739
$950,000
MLS: SW26078479
Beds
4
Baths
3
Sq Ft
2,840
Lot
0.26 ac
Year Built
2001
MLS #
SW26078479
Days on Market
5
Listed
Apr 11, 2026
Description
Attention do-it-yourselfer home buyers, investors, and flippers. Large 4+1 bedroom 3 bathroom pool home on over a 1/4 acre, privately situated on a cul-de-sac end, located in one of Rancho Cucamonga's most sought after communities, walking distance from Victoria Gardens off of Victoria Park, in the highly demanded Chaffey Joint Union School District. This home is in need of cosmetic repairs and a pool renovation, however a remodel has been started including the completion of a new, high-end kitchen with new cabinets, quarts counters, marble backsplash, Wolf cooktop and DCS double oven, and complete downstairs bathroom remodel, adjacent to the downstairs bedroom. Hardwood flooring has been installed in much of the downstairs, and those materials to finish the flooring throughout are on site. With some time and investment, this property has a huge potential of having incredible desirability and equity. May not be financeable due to pool condition. If you want size, pool and location well under a million, this is by far the best option on the market in this community. NO MELLO ROOS. NO HOA. More photos to be posted later this week and multi-group showing appointments to soon be available.
Location
Rancho Cucamonga, San Bernardino County, CA 91739
Open on Google Maps ↗Listed by: Jensen Kierulff · Blue Jay Realty
Payment estimate
$6,899
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $95,000 · Loan: $855,000
- Principal & Interest
- $5,253
- Property tax (1.25%)
- $990
- Homeowners insurance
- $300
- Mortgage insurance
- $356
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 Rancho Cucamonga home with as little as 3.5% down using an FHA loan — roughly $33,250 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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