Dream to Keys Homeownership

Homeownership is an important way for families to improve their long-term stability, wellness, and economic prosperity and to build their intergenerational wealth.

KCHA's Dream to Keys Homeownership Program allows current public housing tenants or voucher participants to use a voucher towards a mortgage payment for a home of their own. Applicants must be in good standing with KCHA, meet eligibility requirements, and be able to secure a mortgage loan.

Eligibility

To be eligibile for the Dream to Keys HCV Homeownership Program, you must:

• Attend an information session
• Be a KCHA participant in good standing for the last 12 months
• Be a first-time homebuyer
• Make at least the Washington state minimum wage if you are considered "work-able" or receive Supplemental Security Income (SSI) if you are a senior or disabled
• Be employed continuously over the last 12 months if work-able
• Complete HUD Certified Pre-Purchase Counseling
• Have at least 3% down payment for the purchase of the home. 1% of the down payment must come from the family’s own resources and 2% may come from other sources
• Secure a mortgage loan for the home purchase
• After putting in an offer on an eligible home, the home must pass both a KCHA inspection and a private inspection

Note: If you are an HCV participant who ported in to KCHA from another housing authority, and your current voucher was originally from another housing authority, then you are not eligible for the Dream to Keys program at this time.

Information Sessions

Join us for an information session to learn more about the HCV Homeownership Program. Attending an information session is required before you can be considered for the program. The orientation will provide an overview of the program, eligibility requirements, and the steps to get started on your path to homeownership.

Register for a 2025 virtual information session on Zoom by clicking the link below:

• June 26th at 4:30 PM - FULL - please register for one of the other sessions
• July 10th at Noon (12:00 PM) - FULL
• July 24th at 4:30 PM - FULL
• August 7th at Noon (12:00 PM) - FULL
• August 21st at 4:30 PM

Dates for information sessions in September will be posted here soon.

Whether you are just beginning to explore the idea or ready to take the next step, this information session is a great way to start!

Email DreamToKeys@kcha.org to learn more about KCHA’s Housing Choice Voucher Homeownership Program.