• There is a minimum household size requirement of three (3) people. Dependents in your household must be identified and claimed in your tax returns. The County has a preference to keep the maximum household size to six (6) people.
  • The FICO score for all non-dependent members that will be on the loan to purchase the home must be at least 640.
  • All applicants must complete a HUD certified homebuyer education course prior to purchasing the home. The program administrator can give you the names of organizations that provide this education service.

What Are Your Next Steps?

Click here to print out a quick guide of the steps that you will need to take. The basic steps include:

  • View the units at scheduled open houses:
    • 88 Bay Drive is open from 1:00 - 4:00 PM this Sunday, June 24, 2018!
  • Submit an application to see if you are eligible to purchase the home
    • Download and complete the application here: Bay Point Below Market Rate Home Prescreen Application
      • Only 1 application is needed for all 3 below market rate homes! If you would like, you can specify a preference in the notes on your application, otherwise, BAAHA will be screening your household and delivering you eligibility determinations for all 3 homes.
  • If eligible, participate in a lottery to buy the home.

Additional Information

Questions about the property: For additional information regarding the real properties in Bay Point, contact the listing agent:

Zack Torrey


J. Rockcliff Realtors, Inc.

DRE#: 01433553


Questions about the below market rate program: For additional information regarding the homebuyer application process and on the general restrictions and requirement to purchase this home please contact

Tim Zhovreboff

Program Coordinator

Bay Area Affordable Homeownership Alliance


The 3 below market rate properties in Bay Point are part of Contra Costa’s Below Market Rate home inclusionary Program. Each property has restrictions that apply to the purchase and ownership of it.The Bay Area Affordable Homeownership Alliance (BAAHA) is the program administrator overseeing all County related matters associated with the sale of these homes:

2 of the 3 BMR homes are available to 3-6* person households earning or earning below 80% of Contra Costa County's Area Median Income (AMI):

  • 88 Bay Drive, Bay Point, CA 94565 (pictured)
    • Selling for $290,00
    • 3 bed / 1 bath
    • 955 Sq Ft
    • 3 year restriction
  • Coming Soon! Details will be provided at the end of June.
    • Details coming soon

1 of the 3 BMR homes is available to 3-6* person households earning or earning below 120% of Contra Costa County's AMI:

  • 128 Crivello Avenue, Bay Point, CA 94565
    • Selling for $389,000
    • 3 bed / 1 bath
    • 1,443 Sq Ft
    • 3 year restriction

Contra Costa County: Bay Point BMR Homes

3 in 1!You only need to complete and submit 1 application for all 3 homes. BAAHA will use your application to screen your household for all three available below market rate units. If you have a preference, please specify in the additional notes section provided on the application.

Please note that our website is still under construction. If you cannot find what you are looking for, please contact us.

Below are the maximum income allowanaces for 80% and 120% of Contra Costa County's AMI:

Bay Area Affordable Homeownership Alliance

What Are the Advantages of Purchasing a BMR Home in Bay Point?

Owning one of the below market rate (BMR) homes in Bay Point may provide you distinct buying opportunities and advantages that you may not have in purchasing a similar non-restricted home. These primary advantages include:

  • The selling prices are fixed. They are set by the County and cannot be bid up.
  • The terms offered to buy the home do not affect your ability to participate in the purchase. Accordingly, you will not be competing with households that are trying to buy the house for all cash. In fact, all cash buyers will most likely not be eligible to purchase the home.
  • The buyer of this home will be chosen through a fair and unbiased lottery process. Giving everyone and equal chance to purchase the home.
  • Some of the households may be able to secure additional homebuyer assistance in the form of a $15,000 loan.This loan will turn into a grant after five (5) years of owner occupancy.

What Are the Key Ownership Restrictions?

Owners who purchase a below market rate property must adhere to the following ownership restrictions.The restriction term starts when the homebuyer closes escrow to purchase the property.

  • The property must be owner occupied – it cannot be rented out
  • The property can only be resold to an income eligible household. Buyers must have a gross household income which is at or less than the required Area Median Income (AMI) for Contra Costa County.
  • Any new buyer of the property must have at least three people in the household (this includes dependents)
  • You cannot refinance your property for an amount greater than the first loan amount you received at the time you purchased the property
  • The county will assign the resale price of the property

All of the above restrictions will fall off the property at the end of the set term duration (see above) from the anniversary date you purchased the property (based on the date escrow closed).

What Are the Eligibility Requirements to Purchase the Property?

Buyers must meet the following eligibility requirements to be able to purchase this property:

  • Based on the individual property, gross household income from all non-dependent household members must not be over either 80% (88 Bay Drive & additional property to be announced), or 120% (128 Crivello Avenue) of the Area Median Income (AMI) assigned to Contra Costa County. See table below: