For more than three decades, the District has helped buyers offset the cost of housing with loans for as much as $77,000. But the program has put some families in financial distress.
Antoinette Harvey bought her Southeast home for her and her 32-year-old son, Ismail Watkins, who uses a wheelchair. To offset the $290,000 purchase price, the District provided a $77,000 second mortgage. But Harvey, who is struggling to make her mortgage payments, has filed for bankruptcy. Tracy A. Woodward/The Washington Post Buy Photo