The HouseKeys Ownership Marketplace

(Page organized alphabetically) / Last Updated: 7/24/2026

CONTRA COSTA COUNTY

City Guidelines

First-time Homebuyer - The household has not owned a residence within the previous three years.
LTV - None.
top/bottom ratios - None
Asset Cap - The household has no more than $250,000 in assets. This amount excludes assets reserved for down payment and closing costs, assets in retirement savings accounts, and assets in medical savings accounts.
Credit score - no minimum

Drawing status:

  • OD 763 - FINAL DEADLINES ISSUED

Important Deadlines

Final Deadline to Enter Drawing 7/17/2026 5 pm

File Submission Deadline 7/30/2026 5 pm

Oak Grove by Summerhill
(City of Walnut Creek)

(OD 763) 1 Unit - 4 Bed / 2 bath - Approx. 1522 Sq Ft. - Sales Price: $597,391 - HOA $359/mo - moderate income

Estimated Monthly Non-Mortgage Costs:

  • Est. Property Taxes - $622.28

  • Solar - Solar is NOT included in the purchase price. Solar Cost (approx.):

    • $9,490

  • Additional Supplemental Tax: $112.69 / month

  • Homeowners Insurance - HO6 (Est. $60)

  • Additional CFD Costs: $53.46 / month

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THE CITY OF HAYWARD

City Guidelines

First-time Homebuyer - not required
LTV - 97%
top/bottom ratios - 40/45
Asset Cap - No limit. Must disclose all assets.
Credit score - The credit report must include information from all three credit bureaus (Experian, TransUnion, Equifax) and use a mortgage-risk model (used by licensed mortgage lenders). Must Meet lender’s credit score guidelines

 

Drawing status:

  • OD 760 - Reviewing applicants

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Somi by Homes Built for America

(OD 760 - 10 UNITS) 2 BED / 2 BATH - SALES PRICE: $421,183 - APPROX. 1124 SQ FT - HOA: $688.15 - MODERATE INCOME UP TO 120% AMI

Estimated monthly Non-Mortgage Costs:

  • Est. Property Taxes - $438.73

  • Solar - Purchase: $13,000 / Lease: $78/month

  • Homeowners Insurance - HO6 (Est. $60)

  • Parking Maintenance Monthly Fee Requirement Estimated: $45.32

CITY OF HERCULES

City Guidelines

First-time Homebuyer - TBD
LTV - TBD
top/bottom ratios - TBD
Asset Cap - TBD
Credit score - TBD

more Opportunites coming soon!

THE CITY OF LAFAYETTE

City Guidelines

First-time Homebuyer - not required
LTV - none. cash purchases acceptable
top/bottom ratios - based on lender guidelines
Asset Cap - no asset limit
Credit score - Based on lender requirements

Drawing Status:

  • OD 570 - Accepting applicants

Important Deadlines

Drawing Release Date: 6/25/2026

Drawing Entry Deadline: 5 PM on 7/17/2026

Ranking results will be published approx. 7/22/2026

File Submission Deadline: 5 PM on 7/30/2026

The Brant by Lennar

(OD 570 - 2 units) MODERATE INCOME - $825.52 HOA

  • 3 bedroom - $579,675

  • 2 Bedroom - $511,046

Estimated Monthly Non-Mortgage Costs:

  • Est. Property Taxes - $TBD

  • Solar - N/A

  • Homeowners Insurance - must be included in ratios)

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THE TOWN OF LOS GATOS

City Guidelines

First-time Homebuyer - An applicant whose name has not appeared on a residential title in the counties covered by the ABAG or AMBAG, which are Alameda, Contra Costa, Marin, Monterey, Napa, San Benito, San Francisco, San Mateo, Santa Clara, Santa Cruz, Solano, and Sonoma for at least three years before application.
LTV - 97%
top/bottom ratios - none
Asset Cap - no asset limit
Credit score - none

More opportunities coming soon!

THE CITY OF MILPITAS

City Guidelines

First-time Homebuyer - Required. cannot have owned a home for the last 3 years
top/bottom ratios - defer to lender
Asset Cap - no limit
Credit score - defer to lender

 

Drawing status - Accepting Applicants

Important Deadlines

Start Entering Drawing on: 7/2/2026

Enter the drawing and submit the minimum files by 5 PM on 7/24/2026

Resale - 1101 S Main Street


(OD 780) 2 Bed / 2 Bath - Approx. 1015 Sq. Ft. - Sales Price: $507,604 - $707.61 HOA - Moderate Income

Estimated Monthly Non-Mortgage Costs:

  • Est. Property Taxes - $TBD/mo.

  • Solar - N/A

  • Homeowners Insurance - h06

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OD 727 - Reviewing Applicants

IMPORTANT DEADLINES

  • File Submission Deadline: 7/24/2026 5:00 pm

PINNACLE BY CITY VENTURES

(OD 727) 2 and 4 Bedroom Units - Sales Price: $707,000 to $854,000 - 2 bedroom HOA $218.53 HOA - Moderate Income

Estimated Monthly Non-Mortgage Costs:

  • Est. Property Taxes - $532.79(Estimated)

  • Solar - Included in Purchase Price

  • Homeowners Insurance - h06

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THE CITY OF MORGAN HILL

City Guidelines

First-time Homebuyer - Required. Exceptions include:
(1) A displaced homemaker who, while a homemaker, owned a home with his or her spouse or resided in a home owned by the spouse. A displaced homemaker is an adult who has not, within the preceding two years, worked on a full-time basis as a member of the labor force for a consecutive twelve-month period and who has been unemployed or underemployed, experienced difficulty in obtaining or upgrading employment and worked primarily without remuneration to care for his or her home and family; or(2) A single parent who, while married, owned a home with his or her spouse or resided in a home owned by the spouse. A single parent is an individual who is unmarried or legally separated from a spouse and has one or more minor children for whom the individual has custody or joint custody or is pregnant, or(3) An existing BMR homeowner who no longer meets the occupancy standards in these guidelines and otherwise qualifies to purchase a larger or smaller BMR home at the time of re-application.


LTV - 97% or lower
top/bottom ratios - 40/45
Asset Cap - 50% of household AMI plus the down payment of up to 20% of the BMR price
Credit score - Minimum 620

 

Important Deadlines

Start Entering Drawing on: 7/24/2026

Drawing Entry Deadline: 8/4/2026 5:00 pm

Initial Items Due by 8/4/2026, 5 PM (Initial Items due from everyone, please see the Opportunity Drawing Notice for details)

Ranking results will be published approx. 8/11/2026

File Submission Deadline: 5 PM on 8/18/2026

Resale - 17711 Lancia Drive

(OD 817) 3 Bed / 2.5 Bath - Price $460,000 - 1425 Sq. Ft. - HOA $100/month - Moderate Income

  • Property Taxes: Approx $479/month; check with your loan officer

  • Solar Requirements: None

  • Homeowners Insurance - Full Required

Learn more
 

Important Deadlines

Start Entering Drawing on: 7/24/2026

Drawing Entry Deadline: 8/4/2026 5:00 pm

Initial Items Due by 8/4/2026, 5 PM (Initial Items due from everyone, please see the Opportunity Drawing Notice for details)

Ranking results will be published approx. 8/11/2026

File Submission Deadline: 5 PM on 8/18/2026

Resale - 17865 Calle Central

(OD 821) 3 Bed / 2.5 Bath - Price $460,000 - 1446 Sq. Ft. - HOA $100/month - Moderate Income

  • Property Taxes: Approx $479/month; check with your loan officer

  • Solar Requirements: 156

  • Homeowners Insurance - Full Required

Learn more
 

OD 793 - Reviewing Applicants

Crosswinds by KB Home

(OD 793 - 4 Units) 2 Bed / 2.5 Bath - Price 511,452 - 1262 Sq. Ft. - HOA $809/month - Moderate Income

Direct Levies and Mello Roos Approx. $14.62/month ($175.44 per year)

  • Property Taxes: Approx $533/month; check with your loan officer

  • Solar Requirements:

    • Purchase Cost (Estimated): $9,759

    • Lease: $85-$105/month

  • Homeowners Insurance - Full Required

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OD 794 - Accepting Applicants

IMPORTANT DEADLINES

  • Drawing release Date: 6/12/2026

    All deadlines are Standard Pacific Time by 5:00:00pm

  • Deadline to Enter Drawing and select City Preferences: 6/23/2026 @ 5:00:00pm

  • Results Published: by 6/30/2026

  • File Submission Deadline: 7/9/2026 @ 5:00 pm

Crosswinds by KB Home

(OD 794 - 3 Units) 5 Bed / 3 Bath - Price $661,171 - 2,111 Sq. Ft. - HOA $493/month - Moderate Income

Direct Levies and Mello Roos Approx. $14.62/month ($175.44 per year)

  • Property Taxes: Approx $533/month; check with your loan officer

  • Solar Requirements:

    • Purchase Cost (Estimated): $12,546

    • Lease: $115-$135/month

  • Homeowners Insurance - Full Required

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OD 776 - Accepting entries

  • Drawing release Date: 6/22/2026

    All deadlines are Standard Pacific Time by 5:00:00pm

  • Deadline to Enter Drawing: 7/7/2026 5:00:00pm

  • Deadline to select City Preferences: 7/7/2026 5:00 pm

  • Results Published: 7/14/2026 after 5 pm

  • File Submission Deadline: 7/21/2026 5:00 pm

Rosewood

(OD 816 - 1 Unit) 4 Bed / 2.5 Bath - Price $615,000 - 1844 Sq. Ft. - HOA $424/month - Moderate Income

  • Direct Levies and Mello Roos Approx. $3,579.56/year or $298.30/month

  • Property Taxes: Approx $641/month; check with your loan officer

  • Solar Requirements:

    • Purchase Cost (Estimated): $14,450

    • Lease: $138-148/month

  • Homeowners Insurance - Full Required

Learn more
 

IMPORTANT DEADLINES

Drawing release Date: 7/24/2026

All deadlines are Standard Pacific Time by 5:00:00pm

Deadline to Enter Drawing AND select City Preferences: 5 PM on 8/4/2026

Results Published: 8/11/2026

File Submission Deadline: 5 PM on 8/18/2026

The Gates by City Ventures

(OD 789- 1 Unit) 3 Bed / 3 Bath - Price $570,615 - 1959 Sq. Ft. - HOA $479.55/month - Moderate Income

  • Direct Levies and Mello Roos Approx. $119.76/year or $9.98/month

  • Property Taxes: Approx $594.39/month; check with your loan officer

  • Solar Requirements:

    • Purchase Cost (Estimated): $13,900

    • Lease: $138-148/month

  • Homeowners Insurance - Full Required

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THE CITY OF MOUNTAIN VIEW

City Guidelines

First-time Homebuyer - Not Required
LTV - 70%
top/bottom ratios - If a household is within household income limits, the city accepts the front & Back ratios the first mortgage lender will allow.
Asset Cap - Assets of an owner cannot exceed 30% of the purchase price of the BMR unit or $150,000, whichever is lower, excluding funds dedicated to federally recognized retirement programs
Credit score - N/A

More opportunities coming soon!

THE CITY OF NAPA

City Guidelines

First-time Homebuyer - TBD
LTV - TBD
top/bottom ratios - TBD
Asset Cap - TBD
Credit score - TBD

IMPORTANT DEADLINES

  • Drawing release Date: 7/6/2026

    All deadlines are Standard Pacific Time by 5:00:00pm

  • Deadline to Enter Drawing: 7/23/2026 5:00:00pm

  • Results Published: 7/28/2026 after 5 pm

  • File Submission Deadline: 8/4/2026 5:00 pm

copperleaf by Brookfield Residential

(OD 818 - 2 Unit) 3 Bed - Est. $586,686 - Monthly HOA: Est. $433.55 - Approx. 1,880 Sq Ft - Moderate Income

Solar Costs:

  • Estimated Lease Cost $195/mo

  • Estimated Purchase: $16,780

Additional Taxes: Estimated $519.22

Learn more

THE CITY OF PINOLE

City Guidelines

First-time Homebuyer - TBD
LTV - TBD
top/bottom ratios - TBD
Asset Cap - Cannont exceed 1/2 of the purchase price
Credit score - TBD

IMPORTANT DEADLINES

  • Drawing release Date: 6/12/2026

    All deadlines are Standard Pacific Time by 5:00:00pm

  • Deadline to Enter Drawing and select City Preferences: 7/9/2026 5:00:00pm

  • Results Published: 7/14/2026 after 5 pm

  • File Submission Deadline: 7/23/2026 5:00 pm

Appian village by Denova Homes

(OD 812- 2 Units) 2 Bedrooms - $277,148 - Monthly HOA: Est. $276-429 - Low Income

(OD 813- 4 Units) 2 and 3 Bedrooms - $468,583 to $523,007 - Monthly HOA: Est. $276-429 - Moderate Income

Solar costs are included in the purchase price

Additional Taxes: $130.24/month (Estimated)

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THE CITY OF SAN LUIS OBISPO

City Guidelines

First-time Homebuyer - TBD
LTV - TBD
top/bottom ratios - TBD
Asset Cap - Cannont exceed 1/2 of the purchase price
Credit score - TBD

THE CITY OF SAN RAMON

City Guidelines

First-time Homebuyer - First-time Homebuyer - Required. Exceptions include:
(1) A displaced homemaker who, while a homemaker, owned a home with his or her spouse or resided in a home owned by the spouse. A displaced homemaker is an adult who has not, within the preceding two years, worked on a full-time basis as a member of the labor force for a consecutive twelve-month period and who has been unemployed or underemployed, experienced difficulty in obtaining or upgrading employment and worked primarily without remuneration to care for his or her home and family; or(2) A single parent who, while married, owned a home with his or her spouse or resided in a home owned by the spouse. A single parent is an individual who is unmarried or legally separated from a spouse and has one or more minor children for whom the individual has custody or joint custody or is pregnant, or(3) An existing BMR homeowner who no longer meets the occupancy standards in these guidelines and otherwise qualifies to purchase a larger or smaller BMR home at the time of re-application.


LTV - 97% or lower
top/bottom ratios - 40/45
Asset Cap - 50% of household AMI plus the down payment of up to 20% of the BMR price
Credit score - Minimum 620

More Opportunities Coming Soon!

Click on any of the Municipality Links below to go directly to the Program Website. Some sites are restricted as they are still under construction.