Homeownership has long been the leading source of household wealth in the U.S. However, the most recent housing crash stripped many Americans of much of their wealth, as home values plummeted and millions of homes went into foreclosure. These losses were especially painful for homeowners of color, who lost a greater share of wealth in the crash and have rebuilt their wealth more slowly in the recovery. Now, as the housing market recovers and interest rates remain low, many Americans find themselves without the savings or access to credit necessary to be able to purchase a home. Although homeownership is not the best option for every household, many Americans who could greatly benefit from it are still excluded.