Measure A1 Homeownership Programs
The 2016 Measure A1 Affordable Housing Bond set aside $120 million to open homeownership to working households and to keep low income homeowners safely in the homes they already have. Two programs carry that commitment: AC Boost, a shared appreciation down payment loan for first-time homebuyers, administered by Hello Housing, and Renew AC, a 1% deferred interest home repair loan for low income homeowners, administered by Habitat for Humanity East Bay/Silicon Valley. This dashboard is a household-by-household accounting of program performance, built from administrator reporting as of May 2026.
v7 · September 2, 2026 · Have feedback on this dashboard? Tell us here
$70.9M of Measure A1 homeownership capital has reached County households so far: 270 first-time buyers closed on homes worth a combined $149.4 million, and 174 low income homeowners repaired and kept the homes they already had. Progress against each program's Bond allocation:
Allocations reflect the December 2023 Board reallocation that moved funds between the two programs, bringing AC Boost to $61 million and Renew AC to $34 million. [Confirm final adopted allocation amounts with the Bond team before publication.]
AC Boost · Down Payment Assistance
AC Boost lends working households the down payment that stands between a mortgage they can afford and a market they cannot enter. Loans carry no interest and no monthly payment; principal plus a pro-rata share of appreciation returns to the program at sale or refinance. Buyers must live or work in Alameda County or have been displaced from it within ten years, and educators and first responders receive a preference.
Renew AC · Home Preservation
Renew AC keeps low income homeowners, especially seniors and people with disabilities, safely in place by financing the health and safety repairs their homes need: roofs, foundations, electrical, plumbing, and accessibility work. A household that can age in place is not competing for scarce homes on the ownership or rental market, and the equity they hold keeps building for the next generation.
AC Boost closings rose through FY22/23 as Cycle 2 approvals reached closing, then eased as the smaller Cycle 3 cohort moves through underwriting. Renew AC has funded between 22 and 34 loans in most fiscal years. FY25/26 (July 2025 to date) is partial, reflecting administrator reporting through May 2026. Fiscal years run July 1 to June 30, matching the County's fiscal calendar.
$46.8M in AC Boost loans has put 270 households into first homes, at a median loan of $177,000 against a median purchase price of $526,500. Demand has outrun funds at every step: 12,555 households pre-applied across three lotteries for the 270 loans closed to date.
Funnel counts are households (primary applicants), deduplicated within each stage. Households may appear in more than one funding cycle if they re-applied.
Labels show closings; hover a bar for loan dollars. Fiscal years run July 1 to June 30. No closings occurred after December 2025 in the May 29 report, so FY25/26 shows only 6 to date; 42 households are in process and expected to close from the Cycle 3 pipeline.
Purchases by city · top 10
Oakland accounts for 47% of purchases, mirroring where demand is deepest. All five supervisorial districts are represented.
The homes and the buyers
Each ribbon carries closed AC Boost purchases from the household's city at application (left) to the city where they bought (right); ribbon width is the number of households and color follows the destination city. Hover any ribbon for the count. Households applying from outside the County are grouped; they qualified through County employment or the displacement preference.
Applied from vs purchased in · by city
Cities are ranked by purchases among closed loans. A taller blue bar than teal bar means the city received more buyers than it sent, and the reverse means buyers left the city to purchase elsewhere.
Educator and first responder preference
Preference categories reflect the program's workforce housing intent: keep the people who serve Alameda County living in Alameda County.
Buyer pipeline · May 2026
Pipeline households hold an approved application and are moving toward closing. Funds reserved households have a specific home under contract.
$24.1M in 1% deferred interest loans has funded 174 home repair projects for low income homeowners: 143 projects are complete, 23 are in construction or pre-construction, and 15 loans have already been repaid in full and recycled into the program.
Every funded household earns 80% of Area Median Income or less. The denial rate reflects the program's hard eligibility screens on income, title, and property condition; see the administrator's report for reason-level detail.
Labels show loans funded; hover a bar for loan dollars. Fiscal years run July 1 to June 30; FY25/26 is partial, reflecting administrator reporting through May 14, 2026. The loan ceiling rose from $150,000 to $200,000 in December 2023, and the largest funded loan to date is $200,000.
Household income at intake
Loans by city · top 10
Includes 4 homes in the unincorporated County. Oakland's share (44%) tracks the geography of older housing stock and lower income homeownership.
Circles sit at zip code centroids and scale with the number of funded projects; click a circle for the count and dollars. Basemap: Esri Light Gray Canvas, falling back to OpenStreetMap automatically if Esri tiles are unreachable (tiles load over the internet). One funded record carries a zip code that does not match a valid postal zip and is not shown; [verify zip with Habitat].
The Bond directed that homeownership program participants reflect the racial and ethnic diversity of Alameda County, a deliberate answer to decades of discriminatory lending and exclusion from ownership. Both programs report participant demographics; this tab reads them side by side.
AC Boost buyers · 270 households
Buyers may select more than one category, so counts sum to more than 270. 59 buyers (22%) identify as Latino or Hispanic; 76 (28%) as Black or African American.
Renew AC homeowners · 174 households
Single-select reporting; 29 homeowners (17%) additionally identify as Hispanic or Latino under the separate ethnicity field.