The HouseKeys Ownership Marketplace
(Page organized alphabetically) / Last Updated: 7/9/2025
THE CITY OF ALAMEDA
City Guidelines
First-time Homebuyer - Required
LTV - 50% to 97%
top/bottom ratios - 35% (min 28%)
Asset Cap - none
Credit score - must pass lender’s criteria
drawing status:
OD 607 - Reviewing Applicants
OD 703 - Reviewing Applicants
entry deadline: 5/19/2025
Deadline to Submit Initial Items: 5/19/2025 @ 5 pm (See Opportunity Notice for List of Initial Items)
File submission Deadline: 6/12/2025 (Only applies to first 100 ranked applicants)
BAY 37 BY PULTE HOMES
(od 607 - 1 UNIT) MODERATE INCOME - 1 BED plus loft / 1.5 BATH / 1 Car garage - $332,540 - hoa $378 - Approx. 1,000 sq. ft.
(od 703 - 5 Units) MODERATE INCOME - 2 BED / 1.5BATH - $364,618 - hoa $378 - Approx. 910 to 1,138 sq. ft.
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $tbd
Solar - $9,400 to $14,000 (lease or purchase)
Homeowners Insurance - HO6 (Est. $60)
Mello roos / special bond tax applies to all homes - Approximately $500/month. Please confirm with your loan officer.
THE CITY OF CAMPBELL
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% to 70%
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!
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 717 - open on a first-file, first served basis
FIRST File FIRST SERVED (Open until all units listed on the Notice (ODN) are filled)
- SEE the OPPORTUNITY DRAWING NOTICE on the opportunity page FOR DETAILS AND INSTRUCTIONS
Oak Grove by Summerhill
(City of Walnut Creek)
(OD 717) 2 Units - 4 Bed / 3.5 bath - Approx. 1522 Sq Ft. - Sales Price: $597,391 - HOA $359/mo - moderate income
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $566.11 to $622.28
Solar - Solar is NOT included in the purchase price. Solar Cost (approx.):Plan 3 (4-bedroom) $9,490
Solar Lease Option per month (approx.):
4-bedroom lease $93 - $110
Additional Supplemental Tax: $94.82 / month
Homeowners Insurance - HO6 (Est. $60)
Additional CFD Costs: $53.46 / month
[What is a Community Facilities District (CFD)? A CFD is a Special Tax District provided by state law that funds the installation of public improvements or ongoing services within an identified area. A special tax is levied on taxable property within the district boundaries.]
Drawing status:
OD 560 - Open on a first-file, first-served basis!
FIRST File FIRST SERVED (Open until all units listed on the Notice (ODN) are filled)
- SEE the OPPORTUNITY DRAWING NOTICE on the opportunity page FOR DETAILS AND INSTRUCTIONS
Seagrass by pulte Homes
(Town of Discovery Bay)
(5 units) Moderate Income - 4 bed - Sales Price: $570,301 - HOA: $312
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $594.06
Solar - Lease - $267/mo, Purchase - $37,050
Homeowners Insurance - full
Mello Roos: $188 (Increasing 5% per year)
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 557 - OPEN on a first-file, first-served basis.
OD 694 - OPEN on a first-file, first-served basis.
FIRST File FIRST SERVED (Open until all units listed on the Notice (ODN) are filled)
- SEE the OPPORTUNITY DRAWING NOTICE on the opportunity page FOR DETAILS AND INSTRUCTIONS
OD 695 - Closed - reviewing applicants
Drawing Entry Deadline: 5/13/2025 5:00 pm
Initial Items Due by 5/13/2025 5 pm (Due from everyone: Homebuyer Application and Loan Pre-qualification Letter)
File Submission Deadline: 6/20/2025 by 5:00 PM
Somi by Homes Built for America
Applicants will be reviewed on a First-File, First-Served basis.
(OD 557 - 2 UNITS) 2 BED / 2 BATH - SALES PRICE: $397,570
APPROX. 1125 - 1407 SQ FT - HOA: $719 - MODERATE INCOME UP TO 120% AMI
Estimated monthly Non-Mortgage Costs:
Est. Property Taxes - $599.28
Solar - Included in the sales price
Homeowners Insurance - HO6 (Est. $60)
——————————————————
(OD 694 - 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
——————————————————
(OD 695 - 3 UNITS) 3 BED / 2 BATH - SALES PRICE: $473,509 - APPROX. 1407 SQ FT - HOA: $688.15 - MODERATE INCOME UP TO 120% AMI
Estimated monthly Non-Mortgage Costs:
Est. Property Taxes - $493.24
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 263: currently reviewing files
OD 264: currently reviewing files
OD 265: currently reviewing files
OD 266: currently reviewing files
OD 267: currently reviewing files
the Brant by Lennar
(OD 265 - 1 unit) MODERATE INCOME - 3 bed / 2 bath - $502,673 - $743.56 HOA
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $619.67
Solar - N/A
Homeowners Insurance - must be included in ratios)
(OD 263 - 3 units) MODERATE INCOME - 2 bed / 2 bath - $445,240 - $743.56 HOA
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $546.29
Solar - N/A
Homeowners Insurance - (must be included in ratios)
(OD 266 - 2 units) MODERATE INCOME - 1 bed / 1 bath - $387,116 - $743.56 HOA
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $471.45
Solar - N/A
Homeowners Insurance - (must be included in ratios)
(od 264 - 2 units) low INCOME - 2 bed / 2 bath - $171,336 - $743.56 HOA
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $21.85
Solar - N/A
Homeowners Insurance - (must be included in ratios)
(OD 267 - 2 units) VERY LOW INCOME - 1 bed / 1 bath - $55,366 - $743.56 HOA
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $62.4
Solar - N/A
Homeowners Insurance - (must be included in ratios)
Drawing status:
701 - Closed - Reviewing Applicants
702 - Closed - Reviewing Applicants
Drawing Entry Deadline: 5/13/2025 5:00 pm
Initial Items Due by 5/13/2025 5 pm (Due from everyone: Homebuyer Application and Loan Pre-qualification Letter)
File Submission Deadline: 5/29/2025 by 5:00 PM
Woodbury Highlands by Davidon Homes
(OD 701) Moderate income - 2 bed - Est. $580,000 (subject to change) - Monthly HOA: Est $414.51 to $432.47 (subject to change) - TBD sq. ft.
(OD 702) very low income - 2 bed - Est. $215,000 (subject to change) - Monthly HOA: Est $414.51 to $432.47 (subject to change) - TBD sq. ft.
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - tbd/mo.
Solar - Lease - Est. $125/month (Subject to change)
Homeowners Insurance - h06
Special Tax Assessments (e.g. Mello-Roos): $165/month (estimated)
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
Drawing status:
OD 710 - Drawing closed - file submission deadline issued
Drawing Entry Deadline: 6/24/2025 5:00 pm
Initial Items Due by 6/24/2025 5pm (Due from everyone: Homebuyer Application and Loan Pre-qualification Letter)
Select and Confirm your City Preferences by 6/24/2025 5:00pm
File Submission Deadline: 7/15/2025 by 5:00 PM
Resale - 194 Cuesta De Los Gatos
(OD 710) 1 Bed Plus / 1 Bath - Approx. 943 Sq. Ft. - Sales Price: $384,085 - $400 HOA - Low Income
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $TBD/mo.
Solar - N/A
Homeowners Insurance - h06
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:
OD 685 - Closed - Reviewing applicants
Drawing Entry Deadline: 3/27/2025 5:00 pm
Initial Items Due by 3/27/2025 5pm (Due from everyone: Homebuyer Application and Loan Pre-qualification Letter)
File Submission Deadline: 4/10/2025 by 5:00 PM
Resale - 1377 Coyote Creek Way
(OD 685) 2 Bed / 2.5 Bath - Approx. 1258 Sq. Ft. - Sales Price: Approx. $585,000 - TBD HOA - Moderate Income
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $TBD/mo.
Solar - N/A
Homeowners Insurance - h06
Drawing status:
OD 685 - Closed - Reviewing applicants
Drawing Entry Deadline: 4/17/2025 5:00 pm
Initial Items Due by 4/17/2025 5 pm (Due from everyone: Homebuyer Application and Loan Pre-qualification Letter)
File Submission Deadline: 5/6/2025 by 5:00 PM
Resale - 700 S. Abel #204
(OD 689) 2 Bed / 2 Bath - Approx. 1259 Sq. Ft. - Sales Price: Approx. $645,000 - 580.82/mo HOA - Moderate Income
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $TBD/mo.
Solar - N/A
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
Down Payment Assistance for Morgan hill:
Applicants making UP TO 120% AMI (Moderate Income):
Up to $50,000 from Morgan Hill BEGIN. NOW A 0% INTEREST
Applicants making UP TO 80% AMI (Low Income). Households may apply for all three sources for a total of $320,000 (conditional upon approval):
Up to $100,000 from CalHOME - County of Santa Clara.
Up to $100,000 from Santa Clara County -Measure A Funds
All county funds are loans with a 0% interest policy.
Application fees may apply.
Up to $120,000+ from Morgan Hill BEGIN. NOW A 0% INTEREST
OD 708 - Reviewing applicants
Drawing Entry Deadline: 5/22/2025 5:00 pm
Initial Items Due by 5/22/2025 5pm (Due from everyone: Homebuyer Application and Loan Pre-qualification Letter)
File Submission Deadline: 6/10/2025 by 5:00 PM
Manzanita Park
(OD 708) 4 Bed / 3.5 Bath - Price $615,884 - 2200 Sq. Ft. - HOA $TBD/month - Moderate Income
Special Tax Assessments (e.g. SCC Vector Control, South Bay Restoration, SC VLLY Open Space Water Dist. Etc.): Estimated at least $13.54 per month ($162.56/yr), not counting Levy, Bonds, other Library taxes, etc. (check with your loan officer)
Solar - Not Applicable
Homeowners Insurance - Full 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 SAN LUIS OBISPO
Drawing status:
OD 611 - Open on a first-file, first-served basis
FIRST File FIRST SERVED (Open until all units listed on the Notice (ODN) are filled)
- SEE the OPPORTUNITY DRAWING NOTICE on the opportunity page FOR DETAILS AND INSTRUCTIONS
The nine at Righetti
(OD 611) 2 Bed / 2 Bath - $474,775 - Approx. 940 - 1,184 Sq. Ft. - Moderate Income
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
Drawing status:
OD 684 - Open on a first-file, first-served basis
FIRST File FIRST SERVED (Open until all units listed on the Notice (ODN) are filled)
- SEE the OPPORTUNITY DRAWING NOTICE on the opportunity page FOR DETAILS AND INSTRUCTIONS
Resale - 1075 ELLA ST
(OD 684) 1 Bed / 1 Bath - $421,925 - Monthly HOA: $450 - Approx. 835 Sq Ft - Moderate Income
Drawing status:
OD 696 - Open on a first-file, first-served basis
OD 697 - Open on a first-file, first-served basis
Drawing Entry Deadline: 4/18/2025 5:00 pm
Initial Items Due by 4/18/2025 5pm (Due from everyone: Homebuyer Application and Loan Pre-qualification Letter)
File Submission Deadline: 5/8/2025 by 5:00 PM
Victoria Crossing
(od 696) Very Low income - Studio / 1 BATH - $133,800 - HOA: $343.94/mo - 500 Sq. ft.
Estimated Monthly Non-Mortgage Costs:
Special Tax Assessments: $151.32
Solar - Not Applicable
Homeowners Insurance - $350.47
(od 697) Very Low income - 1 Bed / 1 BATH - $152,850 - HOA: $425.57/mo - 813 Sq. ft.
Estimated Monthly Non-Mortgage Costs:
Special Tax Assessments: $222.06
Solar - Not Applicable
Homeowners Insurance - $350.47
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
Drawing status:
OD 698 - Closed - Reviewing Applicants
OD 699 - Closed - Reviewing Applicants
Drawing Entry Deadline: 5/1/2025 5:00 pm
Initial Items Due by 5/1/2025 5 PM (Initial Items due from everyone; please see the Opportunity Drawing Notice)
File Submission Deadline: 5/22/2024 by 5:00 PM
City Village by Summerhill Homes
(od 698 - 2 units) Very low income - 3 bed - $164,932 - $356.39 HOA - 1716 sq. ft.
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $171.80
Homeowners Insurance - HO6 (Est. $80)
(od 699 - 2 units) Very low income - 4 bed - $631,980 - $356.39 HOA - 1988 sq. ft.
Estimated Monthly Non-Mortgage Costs:
Est. Property Taxes - $658.31
Homeowners Insurance - HO6 (Est. $80)