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Barriers to Accessing Homeownership

Saving for a down payment is a barrier to homeownership for many households, particularly for low-to-moderate-income and minority households, millennials, and first-time homebuyers. With rising home prices and interest rates and tight lending standards, the path to homeownership is out of reach for many who are unaware of the low–down payment and no–down payment assistance programs available at the local, state, and federal levels. 

Barriers to Accessing Homeownership: Down Payment, Credit, and Affordability, a report commissioned by Down Payment Resource and Freddie Mac, highlights issues future homebuyers face and tackles key barriers including saving for a down payment, credit access, and more. This Sunset Seminar will cover

  • findings from the report,
  • implications for potential homebuyers, and
  • positive steps to overcome these barriers.

  • Rob Chrane, CEO, Down Payment Resource
  • Kathy Cummings, Senior Vice President of Homeownership Solutions and Affordable Housing Programs, Bank of America
  • Jaya Dey, Quantitative Analytics Manager, Affordable Lending Analytics and Research, Freddie Mac
  • Danny Gardner, Senior Vice President of Affordable Lending and Access to Credit, Freddie Mac 
  • Laurie Goodman, Vice President, Housing Finance Policy Center, Urban Institute
  • Janneke Ratcliffe, Assistant Director, Office of Financial Education, Consumer Financial Protection Bureau
  • Marietta Rodriguez, President and CEO, NeighborWorks America
  • Alanna McCargo, Vice President, Housing Finance Policy Center, Urban Institute (moderator)




For questions regarding this event, contact [email protected]

Support for this event is provided by Down Payment Resource and Freddie Mac. For more information on the Urban Institute’s funding principles, go to


Date & Time Wednesday, January 30, 2019
Urban Institute 2100 M Street NW
5th floor
Washington , DC , 20037
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  • Institute Fellow