新美国基金会：2024年美国三个城市的小额住房所有权获取定性分析报告（英文版）

Small-dollar homes, defined as homes priced at $150,000 or below, are a critical source of homeownership, especially for low- and moderate-income families, and for first-time homebuyers in Black and Hispanic communities.1 While many families require financing to purchase small-dollar homes, banks and other mortgage lenders have been extending fewer and fewer mortgages on small-dollar homes over time. This financing gap puts homeownership out of reach for millions of families that might otherw