Brief Barriers to Accessing Homeownership
Down Payment, Credit, and Affordability
Laurie Goodman, Alanna McCargo, Edward Golding, Bing Bai, Bhargavi Ganesh, Sarah Strochak
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This paper provides data and commentary on three significant barriers to homeownership: saving for a down payment, accessing mortgage credit and housing affordability. The report also offers information about down payment assistance programs which can help borrowers overcome the first barrier to homeownership. This report is accompanied by an interactive map  and a down payments quiz.
Research and Evidence Housing and Communities
Expertise Wealth and Financial Well-Being Housing Finance Policy Center Housing
Tags Housing markets Housing and the economy Single-family finance Homeownership Housing affordability and supply Finance Racial homeownership gap
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