Your friend is right about those cities offering extra incentives but the the homes may be a little of your price range.
However, you can get a great home in Brentwood if you are not 100% set on Oakley. Also, please be aware of extra taxes that come with these new devlopments as they can be twice or thrice as much as other properties that are older.
If you like, I can show you some homes in either of these cities in your price range...and help you obtain information about taxes as well.
BTW now is the best time to buy - do what it takes to get in the home.
My web site is below - you can search homes there. It is a direct MLS feed.
It is a little talked about fact and unknown by most loan agents and realtors, but in fact there is more than one way to accomplish buying a home with zero down or very close to it. Most people know about the FHA 3.5% down payment loan and believe that other than a VA 0% down loan, that the 3.5% is the lowest. That is only sort of true. There are a number of down payment assistance programs and community development programs that allow you to take out the FHA 3.5% down loan and then add one of these programs "piggy back" to it. This takes the total down payment to either zero or as little as one half of one percent.
These programs are never talked about and under utilized because most brokers don't know about them or don't know how to put one together. These programs allow you to buy what you want where you want.
Neil Case 925-382-7294
I have someone you could talk to who is quite knowledgeable about the USDA loans. You can get a home in Discovery Bay with the paramaters you are looking for. Please call me, I'd love to help you.
Thank you and good luck!