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WASHINGTON (AP) _ Half of America's low- and moderate-income families see down payments and closing costs as major obstacles to buying a home, according to a study released Sunday.

Forty-one percent believe the lack of affordable homes is a very or fairly big problem, says the study commissioned by the Fannie Mae Foundation, a groups that advocates affordable housing.

Researchers commissioned by the foundation surveyed 300 ``working families'' _ metropolitan-area households with children and at least one employed adult and incomes up to $54,000, the national median. They also polled 1,004 adults nationwide.

``For many working Americans, squeezed between incomes that aren't rising nearly as fast as housing costs, the result is that more and more worry about finding a home in a community where they are comfortable living,'' said Stacey Davis, chief executive and president of the Fannie Mae Foundation.

The study found regional differences in Americans' level of concern about affordable housing.

Just over half living on the West Coast and 40 percent in the Northeast think the lack of affordable homes is a big problem, compared with 34 percent in the South and 28 percent in the Midwest.

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On the Net:

Fannie Mae Foundation: http://www.fanniemaefoundation.org/