649 sixth
San Bernardino, CA, 92410
$425,000
MLS: DW25237463
Beds
2
Baths
1
Sq Ft
1,020
Lot
0.17 ac
Year Built
1901
MLS #
DW25237463
Days on Market
163
Listed
Oct 10, 2025
Description
a charming single-family residence nestled in the heart of San Bernardino’s 92410 zip area. Built in 1901, this home blends historic character with modern updates — a rare find in downtown’s evolving landscape. Zoning / Use Potential: Residential with “Resi On Commercial” land use — possibility to live and operate a business (subject to approvals) Centrally located with access to freeways, local shops, and services. generous yard for gardening, entertaining, or expansion. Solar panels on lease
Location
San Bernardino, San Bernardino County, CA 92410
Open on Google Maps ↗Listed by: Leticia Cessa · Mi Casa Worldwide
Payment estimate
$3,252
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $42,500 · Loan: $382,500
- Principal & Interest
- $2,350
- Property tax (1.25%)
- $443
- Homeowners insurance
- $300
- Mortgage insurance
- $159
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 San Bernardino home with as little as 3.5% down using an FHA loan — roughly $14,875 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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