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$181,744. However, these numbers do not account for land values due to size or amenities available. The areas of minority density are smaller, more densely populated properties in the older sections of the cities. The less diverse census tracts have larger properties and amenities that increase property values. e. Can nondiscriminatory reasons for these differences be identified? If yes, list them. Yes. The main nondiscriminatory reason can most likely be attributed to the lower property values of the smaller, older homes which traditionally are located in the minority neighborhoods. These homes are on smaller lots than much of the newly developed housing. Many homes in the older neighborhoods need maintenance or rehabilitation work and are associated with textile mills. The older neighborhoods may not be viewed as desirable as some of the newer areas for these reasons. L Identify any barriers to homeownership opportunities within your jurisdiction. Lack of knowledge of the home buying process can be a problem. Many individuals and families do not understand the loan process, credit, budgeting, and home maintenance. Cabarrus County has Prosperity Unlimited, a local nonprofit agency and CHDO that teaches and assists individuals and families in home buying, budgeting, and home maintenance, and offers down payment assistance to those who are qualified. Habitat for Humanity also provides homebuyer /owner education for low income families. Many individuals with disabilities may encounter barriers when seeking to purchase a home, although many newer homes are being built on slabs with universal access so that persons in wheelchairs can have easier access without modifications. Cabarrus County does have a program to address handicap accessibility for qualified individuals. This program allows for homes of qualified applicants to be modified to address handicap accessibility issues, however, funding is limited to $1500 per unit in this program and that can be prohibitive. NC Disability Rights and Resources also provides some funding to deal with accessibility issues for homeowners. The costs of homes and land in this area can be a barrier to housing choice. Prosperity Unlimited and local government CDBG and HOME programs have made efforts to provide financial support and affordable housing to increase housing choice. Local governments financially and technically support Prosperity Unlimited and Habitat for Humanity which produce affordable housing. These agencies provide homebuyer education and down payment assistance. Additionally, local governments rehabilitate older homes as well as construct new affordable housing in order to create and maintain as much affordable and adequate housing stock as possible. g. Lending Products and their effects on Fair Housing 281Page Analysis of Impediments September 2015 Attachment number 2 \n F -6 Page 120