Abstract
ABSTRACT:The federal government attempts to reduce the spatial concentration of the poor through the implementation of its many housing initiatives, guiding recipients toward economically integrated neighborhoods. Merging HMDA, GSE, and Census 2000 data, this analysis assesses the extent to which the government’s homebuyer finance programs have accomplished the deconcentration of the poor. The research finds that the expected benefits of various forms of housing assistance have not fully materialized. The efforts to help very low-income homebuyers are helping these households move into economically integrated neighborhoods but the movement toward this economic integration, especially by racial and ethnic minorities, has fallen short of distributing these households in a manner that parallels the availability of affordable housing in the market.
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