Research Report 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.

Research Areas Housing finance Wealth and financial well-being
Tags Single-family finance Finance Racial homeownership gap
Policy Centers Housing Finance Policy Center