Now, more than ever, saving for a down payment and the sustainability of homeownership are crucial. This study presents data on an effective savings program for low-income individuals and families—Individual Development Accounts (IDA). In this study, 93% of the participants in the intervention program reported making their mortgage payment without any difficulty, and 98% said that after paying their mortgage, they had enough money left for other non-shelter necessities. The study also showed statistical differences in financial skills and efficacy when IDA participants were compared to a control group. The IDA group felt much more confident in their financial skills than did the control group and was more likely to set and achieve their financial goals.