This thesis explored the various elements of the Section 235 program as designated by the Housing and Urban Development Act of 1968. Section 235 is a means whereby low and moderate income families can purchase a new home with governmental aid. The purpose of the study was two-fold: First, to determine if the procurrers of the 235 program were adherring to the legal guidelines established by the Federal Government, and secondly, to objectively ascertain if there was a significant difference between 235 new homeowners residing in the city and those residents in the suburban areas.The subsequent survey analysis did prove that the procurrers of the program were following the legally established guidelines, and, that there was a significant difference between the city and suburban 235 residents.