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HUD User makes available printed and electronic copies of published HUD research. Primarily sponsored by HUD's Office of Policy Development and Research, these reports, executive summaries, case studies, and guidebooks span the fields of housing and urban development and are available as free downloads. Most reports can also be ordered in hard copy from the HUD User Web Store.
 
 
Publications -> Housing Finance
 

Mortgages and Mortgage Lending


Financing Lower-Priced Homes: Small Mortgage Loans
Authors: 
U.S. Department of Housing and Urban Development
Office of Policy Development and Research
Report Acceptance Date: 
October 2022


Long-Term Impact Report: The HUD First-Time Homebuyer Education and Counseling Demonstration
Authors: 
Peck, Laura
Moulton, Shawn
Bocian, Debbie Gruenstein
Morris, Tori
DeMarco, Donna
U.S. Department of Housing and Urban Development
Office of Policy Development and Research
Abt Associates
Report Acceptance Date: 
June 2021


At-A-Glance Six-Year Findings from HUD's First-Time Homebuyer Education & Counseling Demonstration
Authors: 
Peck, Laura
Moulton, Shawn
Bocian, Debbie Gruenstein
DeMarco, Donna
Report Acceptance Date: 
June 2021


Exploring the Impact of Homebuyer Education and Counseling on Debt, Savings, and Nonhousing Wealth
Authors: 
Bocian, Debbie Gruenstein
Morris, Tori
Moulton, Shawn
Peck, Laura
DeMarco, Donna
Abt Associates
Report Acceptance Date: 
June 2021


HUD Investments in Impoverished Areas for House Report 116-106 (Transportation, and Housing and Urban Development, and Related Agencies Appropriations Bill, 2020)
Authors: 
Office of Policy Development
Office of Policy Development and Research
U.S. Department of Housing and Urban Development
Report Acceptance Date: 
June 2021


Flood Insurance Coverage of Federal Housing Administration Single-Family Homes
Authors: 
2M Research
Report Acceptance Date: 
March 2020


Housing Counseling Works
Authors: 
Myhre, Marina L.
Watson, Nicole Elsasser
Report Acceptance Date: 
September 2017


Literature Review: The Credit-Enhancing Functions of Downpayment and Downpayment Substitutes
Authors: 
U.S. Department of Housing and Urban Development
Report Acceptance Date: 
April 2017


Research Report for Importance of Mortgage Downpayment as a Deterrent to Delinquency and Default as Observed in Black Knight (McDash) Servicing History
Authors: 
U.S. Department of Housing and Urban Development
Report Acceptance Date: 
April 2017


Mortgage Lending on Tribal Land: A Report From the Assessment of American Indian, Alaska Native, and Native Hawaiian Housing Needs
Authors: 
Listokin, David
Temkin, Kenneth
Pindus, Nancy
Stanek, David
Urban Institute
Report Acceptance Date: 
January 2017


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