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Cityscape: Volume 10 Number 2

This issue of Cityscape is the second of a two-part series that focuses on a selection of recent research on low-income and minority homeownership presented at symposiums that the U.S. Department of Housing and Urban Development, Office of Policy Development and Research, sponsored in 2005 and 2006. The first part of the series appeared in an issue of Cityscape (volume 9, number 2) released in the summer of 2007 that focused on identifying and understanding the major causes of the racial and income gaps in homeownership. That research confirmed that downpayment and closing cost constraints continue to be the greatest obstacles to homeownership for many households and that efforts such as the American Dream Downpayment Initiative and more reliable disclosures of loan terms and settlement fees to aid comparison-shopping could help households reduce these hurdles.