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Dream to Keys Homeownership

The Dream to Keys Homeownership Program is for first-time homebuyers who already have a KCHA voucher or subsidized housing. You purchase a home with a mortgage and pay about 31% of your income towards your mortgage.

About the program

Affordable homeownership can improve long-term stability, wellness, and economic prosperity as well as intergenerational wealth. KCHA’s Dream to Keys Homeownership Program allows current Subsidized Housing or Housing Choice Voucher tenants 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:

  • First attend an information session (see below for times)
  • 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

Get started with an information session

Attending an information session is required. 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 2026 virtual information session on Zoom by clicking the link below:

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