Pocketbook practicalities, not the aesthetics, of home ownership, largely directed to the lower income level. This shows what must be considered:- factors of depreciation, obsolescence, neighborhood and market values; the kind of house you should buy; types of new houses; lay-outs; lots; equipment; location. Then how much you should pay, and how finance it, with as much down as possible; types of lending institutions and loans; financing construction, kitchen equipment. Finally legal data on closing, clearing of title, types of insurance, etc. Advice in sensible terms.