{"id":54348,"date":"2026-05-05T16:38:01","date_gmt":"2026-05-05T20:38:01","guid":{"rendered":"https:\/\/www.newamerica.org\/?post_type=insight&#038;p=54348"},"modified":"2026-05-05T16:43:35","modified_gmt":"2026-05-05T20:43:35","slug":"framing-brief-unlocking-americas-small-dollar-housing-supply","status":"publish","type":"insight","link":"https:\/\/www.newamerica.org\/insights\/framing-brief-unlocking-americas-small-dollar-housing-supply\/","title":{"rendered":"Framing Brief: Unlocking America&#8217;s Small Dollar Housing Supply"},"author":42,"parent":0,"menu_order":0,"template":"","issue_tax":[257],"topic_tax":[161],"program_tax":[103],"project_tax":[4121],"person_tax":[1300,1820],"podcast_show_tax":[],"insight_type":[3765],"fellowship_tax":[],"award":[],"class_list":["post-54348","insight","type-insight","status-publish","has-post-thumbnail","hentry","insight_type-in-short"],"acf":{"details":{"hero_type":"small-image","abstract":"FLH explores the barriers that impede access to small-dollar homes in communities across the U.S., and spotlights local innovations to address those barriers.","subheading":"","read_time":"","watch_time":"","podcast_player":"","apple_podcast_link":"","spotify_podcast_link":"","podcast_link":null,"listen_time":"","youtube_id":"","":null,"featured_image":54356,"add_image_caption":false,"caption":"","pdf_version":null,"helper_taxonomies":{"issue_tax":[257],"topic_tax":[161],"program_tax":[103],"project_tax":[4121],"person_tax":[1300,1820],"fellowship_tax":false,"event_type":false,"location":false,"insight_type":[3765],"award":false,"podcast_show_tax":false,"person_type":false,"demographic_key":false,"survey_topic":false,"organization":false},"media_inquiry":false,"media_inquiry_title":"","media_inquiry_email":""},"page_layout":[{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":null,"component_wysiwyg":{"add_background_color":false,"content":"<span style=\"font-weight: 400;\">The national conversation about how to fix the housing supply crisis focuses on building new homes, faster. But far less attention is paid to the invisible half of the supply crisis: the financing systems that lock millions of families out of affordable homes that already exist.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">In 2025, roughly <a href=\"https:\/\/www.newamerica.org\/insights\/one-quarter-of-us-homes-are-valued-at-less-than-200000\/\">22 million owner-occupied homes<\/a>\u2014nearly one in four nationwide\u2014were valued at under $200,000. Yet, access to these homes is increasingly out of reach for families today because of a decline in small-dollar mortgages and a dearth of repair financing programs. The result is a hidden supply crisis with far-reaching consequences: families are locked out of homeownership and the housing stability that it brings.\u00a0<\/span>","":null,"drop_cap":false,"anchor_id":""}},{"acf_fc_layout":"layout_button","_acfe_flexible_toggle":null,"component_button":{"link":{"title":"Read the Framing Brief","url":"https:\/\/www.newamerica.org\/wp-content\/uploads\/2026\/05\/Small-Homes-Big-Barriers_May-2026_vFINAL.pdf","target":"_blank"},"":null,"anchor_id":""}},{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":null,"component_wysiwyg":{"add_background_color":false,"content":"<span style=\"font-weight: 400;\">This framing brief explores the hidden barriers that keep millions of families from buying these affordable homes, and spotlights local innovations to break down these barriers.\u00a0<\/span>","":null,"drop_cap":false,"anchor_id":""}},{"acf_fc_layout":"layout_add_component","_acfe_flexible_toggle":null},{"acf_fc_layout":"layout_authors","_acfe_flexible_toggle":null,"component_authors":{"":null,"anchor_id":""}},{"acf_fc_layout":"layout_taxonomies","_acfe_flexible_toggle":null,"component_taxonomies":{"":null,"anchor_id":""}},{"acf_fc_layout":"layout_related","_acfe_flexible_toggle":null,"component_related":{"":null,"anchor_id":""}}]},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - 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