Matched Savings for Downpayment Assistance · Immergluck, Dan, Stephanie Earl, and Allison Powell. 2018. “Black Homebuying after the Crisis: Appreciation and Segregation Patterns

Matched Savings for Downpayment Assistance:

Asante-Muhammad, Dedrick, Chuck Collins, Josh Hoxie, and Emanuel Nieves. 2017. “The Road to Zero Wealth: How the Racial Wealth Divide Is Hollowing Out America’s Middle Class.” https://prosperitynow.org/sites/default/files/PDFs/road_to_zero_wealth.pdf.

Barron, John, and Michael E Staten. 2012. “Is Technology-Enhanced Credit Counseling as Effective as In-Person Delivery?” SSRN. https://doi.org/10.2139/ssrn.2088917.

Begley, Jaclene. 2017. “Parent Housing Wealth, Credit Constraints, and Homeownership Transitions.” https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3173912.

Delgadillo, Lucy M. 2015. “Using Individual Development Accounts (IDAs) To Sustain Homeownership and Foster Financial Skills, Practices, and Self-Efficacy.” Journal of Family & Consumer Sciences 107 (3): 18–26.

Freeman, Allison, and Jeffrey J. Harden. 2015. “Affordable Homeownership: The Incidence and Effect of Down Payment Assistance.” Housing Policy Debate 25 (2): 308–19. https://doi.org/10.1080/10511482.2014.915226.

Goodman, Laurie, Alanna Mccargo, Edward Golding, Bing Bai, and Sarah Strochak. 2018. “Barriers to Accessing Homeownership Down Payment, Credit, and Affordability - 2018.” https://www.urban.org/sites/default/files/publication/99028/barriers_to_accessing_homeownership_2018_4.pdf.

Grinstein-Weiss, Michal, Gina A.N. Chowa, and Adriane M. Casalotti. 2010. “Individual Development Accounts for Housing Policy: Analysis of Individual and Program Characteristics.” Housing Studies 25 (1): 63–82. https://doi.org/10.1080/02673030903362035.

Houle, Jason N, and Lawrence Berger. 2015. “Is Student Loan Debt Discouraging Homeownership among Young Adults?” Social Service Review. https://doi.org/10.1086/684587.

“House Price Index | Federal Housing Finance Agency.” n.d. Accessed December 18, 2018. https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index.aspx.

Huang, Jin. 2010. “Effects of Individual Development Accounts (IDAs) on Household Wealth and Saving Taste Financial Capability and Asset Building Initiative View Project.” Article in Research on Social Work Practice. https://doi.org/10.1177/1049731509347852.

Huang, Jin, Margaret Lombe, Michelle Putnam, Michal Grinstein-Weiss, and Michael Sherraden. 2016. “Individual Development Accounts and Homeownership among Low-Income Adults with Disabilities: Evidence from a Randomized Experiment.” Journal of Applied Social Science 10 (1): 55–66. https://doi.org/10.1177/1936724415596365.

Hyra, Derek, and Jacob Rugh. 2015. “The US Great Recession: Exploring Its Association with Black Neighborhood Rise, Decline and Recovery.” https://www.american.edu/spa/metro-policy/upload/Hyra-and-Rugh-2015.pdf.

Immergluck, Dan, Stephanie Earl, and Allison Powell. 2018. “Black Homebuying after the Crisis: Appreciation and Segregation Patterns in Fifteen Large Metropolitan Areas.” https://www.researchgate.net/publication/328031809_Black_Homebuying_after_the_Crisis_Appreciation_and_Segregation_Patterns_in_Fifteen_Large_Metropolitan_Areas.

Larrimore, Jeff, Jenny Schuetz, and Samuel Dodini. 2016. “What Are the Perceived Barriers to Homeownership for Young Adults?” https://doi.org/10.17016/FEDS.2016.021.

Leckie, Norm, Taylor Shek-Wai Hui, Doug Tattrie, Jennifer Robson, and Jean-Pierre Voyer. 2010. “Learning to Save, Saving to Learn - Learn$ave Individual Development Accounts Project - Final Report.” http://www.srdc.org/uploads/learnSave_final_EN.pdf.

Lee, Hyojung, Dowell Myers, Gary Painter, Johanna Thunell, and Julie Zissimopoulos. 2018. “The Role of Parental Financial Assistance in the Transition to Homeownership by Young Adults.” Journal of Housing Economics, August. https://doi.org/10.1016/J.JHE.2018.08.002.

Li, Wei, and Laurie Goodman. 2015. “Americans’ Debt Styles by Age and over Time.” http://www.urban.org/sites/default/files/publication/72976/2000514-Americans-Debt-Styles-by-Age-and-over-Time.pdf.

Li, Wenli, Haiyong Liu, Fang Yang, and Rui Yao. 2012. “Housing over Time and over the Life Cycle: A Structural Estimation.” http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.309.4942&rep=rep1&type=pdf.

Loibl, Cäzilia, Lauren Jones, and Emily Haisley. 2018. “Testing Strategies to Increase Saving in Individual Development Account Programs.” Journal of Economic Psychology 66 (June): 45–63. https://doi.org/10.1016/j.joep.2018.04.002.

Loibl, Cäzilia, Lauren Jones, Emily Haisley, and George Loewenstein. 2015. “Testing Strategies to Increase Saving and Retention in Individual Development Account Programs.” http://ssrn.com/abstract=2735625.

McCabe, Brian J. 2018. “Why Buy a Home? Race, Ethnicity, and Homeownership Preferences in the United States.” Sociology of Race and Ethnicity 1 (21): 1–21. https://doi.org/10.1177/2332649217753648.

McKernan, Signe Mary, Ida Rademacher, Caroline Ratcliffe, Kasey Wiedrich, and Megan Gallagher. 2011. “Weathering the Storm: How Have IDA Homebuyers Fared in the Foreclosure Crisis?” Housing Policy Debate 21 (4): 605–25. https://doi.org/10.1080/10511482.2011.600698.

Newville, David, and Anju Chopra. 2016. “Alternative Data Reporting Helps Families Build Credit & Wealth.” https://prosperitynow.org/sites/default/files/PDFs/09-2017_IDA_reviewed_policy_brief.pdf.

Rothwell, David W., and Chang-Keun Han. 2010a. “Second Thoughts: Who Almost Participates in an IDA Program?” Journal of Social Service Research 36 (2): 107–17. https://doi.org/10.1080/01488370903578025.

Rothwell, David W., and Chang Keun Han. 2010b. “Individual Development Account Participation and Social Development among Native Hawaiians.” Asian Pacific Journal of Social Work 20 (2): 21–35. https://doi.org/10.1080/21650993.2010.9756084.

Rothwell, David W, Rashida Bhaiji, and Anne Blumenthal. 2013. “Perceived Impact of IDA Participation Among Hawaiians.” Journal of Indigenous Social Development 2 (1). http://www.hawaii.edu/sswork/jisdhttp://scholarspace.manoa.hawaii.edu/handle/10125/29811.

Sherraden, M., A. McBride, E. Johnson, S. Hanson, F. Ssewamala, and T. Shanks. 2005. “Saving in Low Income Households: Evidence from Interviews with Participants in the American Dream Demonstration.” Center for Social Development.

Shobe, Marcia A., Kameri Christy, Ashley Givens, Yvette Murphy-Erby, and April Rand. 2017. “Savings Program Participation and Outcomes for Hispanics.” Journal of Ethnic and Cultural Diversity in Social Work 26 (3): 185–203. https://doi.org/10.1080/15313204.2016.1272027.

U.S. Census Bureau. 2018. “Homeownership Rate for the United States.” https://fred.stlouisfed.org/series/RHORUSQ156N.

U.S. Department of Housing and Urban Development. 2010. “HUD Archives: Barriers to Minority Homeownership.” 2010. https://archives.hud.gov/reports/barriers.cfm.

Williams, Sonya, George Galster, and Nandita Verma. 2013. “The Disparate Neighborhood Impacts of the Great Recession: Evidence from Chicago.” Urban Geography 34 (6): 737–63. https://doi.org/10.1080/02723638.2013.789624.

Zielewski, Erica H, Caroline Ratcliffe, Signe-Mary Mckernan, Lissa Johnson, Michael Sherraden, David Greenberg, David Kaufmann, et al. 2009. “Evaluation Design for the Next Phase Evaluation of the Assets for Independence Program, Final Literature Review.” http://www.urban.org/sites/default/files/publication/26661/412439-Evaluation-Design-for-the-Next-Phase-Evaluation-of-the-Assets-for-Independence-Program-Final-Literature-Review.PDF.