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Cityscape: Volume 15 Number 2 | Article 21


The goal of Cityscape is to bring high-quality original research on housing and community development issues to scholars, government officials, and practitioners. Cityscape is open to all relevant disciplines, including architecture, consumer research, demography, economics, engineering, ethnography, finance, geography, law, planning, political science, public policy, regional science, sociology, statistics, and urban studies.

Cityscape is published three times a year by the Office of Policy Development and Research (PD&R) of the U.S. Department of Housing and Urban Development.

Mixed Messages on Mixed Incomes

Volume 15 Number 2

Mark D. Shroder

Michelle P. Matuga

The Federal Housing Administration and Long-Term Affordable Homeownership Programs

Edwin Stromberg
U.S. Department of Housing and Urban Development

Brian Stromberg
Rutgers University

The views expressed in this article are those of the author and do not represent the official positions or policies of the Office of Policy Development and Research or the U.S. Department of Housing and Urban Development.

Policy Briefs
The Policy Briefs department summarizes a change or trend in national policy that may have escaped the attention of researchers. The purpose is to stimulate the analysis of policy in the field while the policy is being implemented and thereafter.

This policy brief presents the results of a limited survey of housing and mortgage financing practitioners regarding the usage of Federal Housing Administration (FHA) homebuyer mortgage insurance in long-term affordable housing (LTAH) programs (which can also be called shared-equity homeownership). In so doing, the brief presents a description of (1) the various types of LTAH, (2) the U.S. Department of Housing and Urban Development's (HUD's) involvement in LTAH initiatives, (3) the major obstacles to greater involvement of LTAH in FHA and other HUD affordable homeownership programs, (4) arguments for and against changing FHA's current policies, and (5) research that would address core issues regarding HUD's general lack of knowledge about and engagement with LTAH models.

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