Minority first-time home buyers in D.C. region can get help with often out-of-reach down payment – Washington Post – DC Initiative on Racial Equity
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The focus on racial justice that began in 2020, including attention to economic disparities such as the racial gap in homeownership rates, continues to generate ideas about how to remedy inequality in the United States.

According to the U.S. Census Bureau, about 75 percent of Whites were homeowners in the fourth quarter of 2020, compared with 60 percent of Asians, Native Hawaiians and Pacific Islanders, 49 percent of Hispanics and 44 percent of Blacks. There are many root causes for homeownership disparities, including longtime racial discrimination. Another factor is lack of money for the down payment, which some first-time home buyers get through intergenerational support and many others do not.

In response to the issue, Flock DC, a real-estate-management company, launched the Birdseed down-payment assistance program, in partnership with the Greater Washington Community Foundation. Applicants must be first-time home buyers in the D.C. metro area with a maximum combined income of $150,000 and have lived in the area for at least three years. In addition to meeting lender standards for a mortgage, the primary applicant must identify as American Indian, Indigenous or Alaska Native; Asian American/Pacific Islander, Black or


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