The HouseKeys Ownership Marketplace
(Page organized alphabetically) / Last Updated: 10/23/2026
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
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
Important Deadlines
All deadlines are Standard Pacific Time by 5:00 PM
Deadline to enter the drawing: 5 PM on 11/17/2026
File Submission Deadline: 5 PM on 12/1/2026 (or sooner).
Applicants will be accepted and reviewed on a first-come, first-served basis in order of drawing entry date and time.
Somi by Homes Built for America
(OD 760 - 13 UNITS)
Building A:
2 Bedrooms - 10 Units / Sales Price: $421,183 / HOA: $688.15 / Sq. Ft. 1124
3 Bedrooms - 2 Units / Sales Price: $473,509 / HOA: $688.15 / Sq. Ft. 1407
Building B:
3 Bedrooms - 1 Unit / Sales Price: $448,164 / HOA: $719 / Sq. Ft. 1407
Estimated monthly Non-Mortgage Costs:
Est. Property Taxes - $438.73 - $493.24
Solar - Included in purchase price
Homeowners Insurance - HO6 (Est. $80)
Parking Maintenance Monthly Fee Requirement Estimated: $45.32
Drawing status:
OD 833 -drawing on hold
Important Deadlines
New Dealdines pending
FUsion by Homes built for america
(OD 833 - 2 UNITS) 3 BED / 2.5 BATH - SALES PRICE: $491,578 - APPROX. 1761 SQ FT - HOA: $424 - MODERATE INCOME UP TO 120% AMI
Estimated monthly Non-Mortgage Costs:
Est. Property Taxes - TBD
Solar Costs: Included in Purchase Price
Homeowners Insurance - TBD
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
Refer to the opportunity drawing page for active deadlines
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 - $532.34 to 604.83
Solar - N/A
Homeowners Insurance - H06 Insurance
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
Important Deadlines
Start Entering the Drawing on: 9/18/2026, 5pm
Deadline to enter the drawing and select the Town's Preferences: 10/9/2026, 5:00 pm
Ranking results will be published approx. 10/16/2026
File Submission Deadline (Initial Items and Town Preferences Supporting Documents Due): 10/23/2026, 5:00 pm
Resale - 186 Smith Ranch Ct
(OD 842)2 bed / 2.5 bath - MODERATE INCOME - $131.99 HOA - Sales Price: $525,000 - Approx. 1291 Sq Ft
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - TBD
Solar - N/A
Homeowners Insurance - Full Hazard Insurance
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 - $528.75/mo.
Solar - N/A
Homeowners Insurance - h06
OD 833 - Accepting applicants
IMPORTANT DEADLINES
8/11/2026: Drawing is open on a first-come, first-served basis
Entry Deadline: 8/19/2026, 5:00 pm
File Submission Deadline: 8/19/2026, 5:00 pm
Applicants who enter after 8/19/2026, 5:00 pm, have a file submission deadline of 9/3/2026, 5 pm
For Everyone: Don’t wait until the deadline to submit your file; submit sooner or by the deadline.
Minimum Documents Due: Click HERE
PINNACLE BY CITY VENTURES
(OD 833) 2 Bedroom Units - Sales Price: $707,000- 2 bedroom HOA $218.53 - Moderate Income
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $736.46(Estimated)
Solar - Included in Purchase Price
Homeowners Insurance - h06
od 781 - Accepting applicants
Refer to the opportunity drawing page for active deadlines
ParKside Villa by toll brothers
(OD 781 - 5 Units) 4 bed / 3 to 3.5 Bath - Sales Price: $812,155 - Approx. 1882 to 2181 Sq. Ft. - HOA: $472 (subject to change) - Moderate Income
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - TBD
Solar - TBD
Homeowners Insurance - h06
od 827 - Accepting applicants
Refer to the opportunity drawing page for active deadlines
612 South Main by Toll Brothers
(OD 827 - 3 Units) 3 bed / 3 Bath - Sales Price: $750,485 - Approx. 1565 to 1702 Sq. Ft. - HOA: $472 (subject to change) - Moderate Income
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - TBD
Solar - TBD
Homeowners Insurance - h06
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
Deadline to Enter and Select City Preferences: 5 PM on 11/10/2026
Ranking results will be published approx. 11/17/2026
File Submission Deadline: PM on 11/24/2026
Resale - 18440 Emerald Lane
(OD 834) 3 Bed / 2.5 Bath - Price $615,000 - 1,680 Sq. Ft. - HOA $542/month - Moderate Income
Property Taxes: Approx $TBD/month; check with your loan officer
Solar: N/a
Homeowners Insurance - Full Required
IMPORTANT DEADLINES
All deadlines are Standard Pacific Time by 5:00 PM
Drawing release Date: 5 PM on 8/28/2026
Deadline to enter the drawing and select City Preferences: 5 PM on 9/18/2026
Results Published: by 9/23/2026
File Submission Deadline: 5 PM on 10/6/2026
Cayman by Dividend Homes
(OD 834 - 3 Units) 4 Bed / 3.5 to 4 Bath - Price $615,000 - 2019 to 2667 Sq. Ft. - HOA $277.50/month - Moderate Income
Direct Levies and Mello Roos Approx. $13.75/month
Property Taxes: Approx $640.63/month; check with your loan officer
Solar included in purchase price
Homeowners Insurance - Full Required
IMPORTANT dEADLINES
Deadline to Enter Drawing and Select City Preferences: 5 PM on 11/10/2026
Estimated Date Drawing Results Published: 11/17/2026
File Submission Deadline: 5 PM on 11/24/2026
Crosswinds by KB Home - Duets
(OD 845 - 1 Unit) 4 Bed / 3 Bath - Price $644,145 - 2345 Sq. Ft. - HOA $493/month - Moderate Income
Direct Levies and Mello-Roos Approx. $14.62/month ($175.44 per year)
Property Taxes: Approx $643/month; check with your loan officer
Solar Requirements:
Lease Cost (Estimated per month): $115 - $135
Purchase Cost (Estimated): $12,546*
Homeowners Insurance - Full iNSURANCE
OD 793 - ACCEPTING Applicants
Refer to the opportunity drawing page for active deadlines
Crosswinds by KB Home - Townhomes
(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 - h06 iNSURANCE
IMPORTANT dEADLINES
Deadline to Enter Drawing and Select City Preferences: 5 PM on 10/20/2026
Estimated Date Drawing Results Published: 10/27/2026
File Submission Deadline: 5 PM on 11/3/2026
Crosswinds by KB Home - Single-family homes
(OD 795 - 2 Units) 4 Bed / 3 Bath - Price $661,171 - 2111 Sq. Ft. - HOA $493/month - Moderate Income
Direct Levies and Mello-Roos Approx. $14.62/month ($175.44 per year)
Property Taxes: Approx $689/month; check with your loan officer
Solar Requirements:
Purchase Cost (Estimated): $12,546
Lease: $115 - $135/month
Homeowners Insurance - h06 iNSURANCE
OD 776 - Accepting entries
Refer to the opportunity drawing page for active deadlines
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
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. $3,579.56/year
Property Taxes: Approx $641/month; check with your loan officer
Solar Requirements:
Lease: $138-148; subject to change based on utility ranges at the time of Lease entry
Purchase: $14,450 Note: If buying solar, a Capital Improvement Credit will be added to the buyer’s purchase cost. Please work with your loan officer to ensure this cost is considered.
Homeowners Insurance - h06 insurance required
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
Refer to the opportunity drawing page for active deadlines
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 $486.81
Estimated property taxes: $532.56/mo
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
Refer to the opportunity drawing page for active deadlines
Appian Village by Denova Homes
The builder is offering a $25K incentive for the 2 Low-income and 4 Moderate units in ODs 812 and 813. Applies to these first 6 of the expected 31 units offered at the project.
(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)
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
Important Deadlines
Deadline to enter drawing and select city preferences: 5 PM on 10/6/2026
Ranking results will be published approx. 10/13/2026
File Submission Deadline: 5 PM on 10/22/2026