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Shared Equity, Transformative Wealth

Shared equity homeownership offers a practical tool for extending the reach of homeownership as a wealth creation vehicle for generations.

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  • Public subsidy is often necessary to bridge the growing gap between renting and ownership for low-income households.
  • By ensuring that the units remain affordable over the long term, shared equity programs preserve a stock of housing so that it can play an asset-building role in the lives of one family after another and make the most efficient use of scarce public resources.

In this 51-page policy brief, author Rick Jacobus analyzes strategies for balancing individual asset accumulation and ongoing affordability within shared equity homeownership programs.

Jacobus compares the relative performance of three shared equity homeownership models under a wide range of different economic circumstances. He examines how well each model preserves affordability over time in the face of rising housing prices, as well as how much equity each model allows owners to take with them when they sell.

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