Describes home purchases by 250 low-income renters in two sites (Brown County, Wisconsin, and St. Joseph County, Indiana) who became homeowners while enrolled in the experimental housing allowance program. Even with allowance payments, buyers' incomes and assets were generally inadequate to obtain conventional financing. Those who did obtain a conventional mortgage got help from friends or relatives or received other outside assistance. Most buyers used more easily obtainable loans, such as government-insured mortgages, consumer loans, and land contracts. Buyers' financing arrangements were usually determined by the mortgage lending practices in each site and by the households' financial characteristics.
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