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Home Ownership Reparative Transfer (HORT) Program 3.0

A New Phase of Action Toward Repair

While federal Reparations remain our long-term goal, Reparation Generation (RepGen) is acting now to demonstrate what real repair can look like in people’s lives today. The HORT Program is one of RepGen’s flagship models, offering direct financial repair in the form of $25,000 Reparative Transfers to Black Descendants of Enslaved People in the U.S. to support homeownership in Metro Detroit.

Why Homeownership?

Homeownership is the primary way most Americans build generational wealth. Yet, due to the legacy of slavery, redlining, discrimination in lending, and displacement, Black Americans have faced systemic exclusion from this pathway.

What Is the HORT Model?

The HORT Program provides $25,000 Reparative Transfers (voluntary non-recourse, non-repayable financial payments), homebuyer mentorship, and restorative genealogy consultations. We aim to create a replicable and scalable model, rooted in the United Nations Reparations Framework, for providing partial compensatory repair for the harm experienced by Black Descendants of Enslaved People in the U.S. who, historically and presently, face systemic barriers—and, in many cases, outright exclusion—from homeownership.

The findings from evaluating the HORT program are used to inform reparative program design nationally and show that reparative acts can heal harm, create wealth and benefit recipients and contributors alike, bolstering the case for a federal program. Learn more about our Reparative Evaluation.

Finally, the HORT Program is intended to provide Reparative Transfers to a specific harmed class of Americans: Black Descendants of Enslaved People in the U.S. Enrollees meet with RepGen’s Restorative Genealogist to document evidence of their eligibility. This free Restorative Genealogy consultation often restores access to family history that was untold, lost, or stolen from HORT applicants and their communities due to systemic racism. Recipients have reported significant benefits resulting from completing the HORT program, including greater safety, proximity to community resources, financial stability, and generational security.

Since its launch, RepGen has:

  • Distributed $300,000 in Reparative Transfers to 12 Black homeowners
  • Developed and refined our evaluation model based on the Social Determinants of Health
  • Centered participant feedback to improve program accessibility, equity, and reparative outcomes

What’s New in HORT 3.0

Informed by two years of program evaluation and homeowner experiences, HORT 3.0 includes:

  • Personal & Financial Readiness Self-Assessments
  • Orientation sessions
  • Enhanced mentorship and support tools
  • A stronger culture of repair across all program touchpoints

Application Timeline

  • Orientation & Prep: August 2025
  • Applications Open: September 1–10, 2025
  • Reparative Transfers Awarded: Fall 2025

 

Eligibility Criteria:

Applicants will:

  • Be a U.S. citizen and a Black Descendant of Enslaved People in the U.S. Defined as having at least one of the following: 
    • a) An ancestor that was enslaved within the United States
    • b) An ancestor traced back to the 1870/1880/1890/1900 census 
    • c) An ancestor traced back to the South 1940 or prior  
  • Have self-identified as Black in the 2020 U.S. Census
  • Currently live in Metro Detroit (Wayne, Oakland, or Macomb counties) and agree to find, finance (if applicable), and buy a home in Metro Detroit as primary residence
  • Agree to participate in Reparation Generation Evaluation activities for two years after Enrollment in HORT Program 3.0
  • Have not previously received a HORT Program Reparative Transfer through Reparation Generation

Program Phases

What to Expect

1. Orientation & Preparation (Between August 4–31, 2025)

 

2. Application Phase (September 1–10, 2025)
  • Applications are submitted via the official link.
  • Applications are reviewed for completeness and eligibility and sorted into income categories.
  • Eligible applicants receive Conditional Approval and are randomly selected within their income brackets to continue to the next steps.
  • Final Approval after attending two free consultations:
    a) Restorative Genealogy Consultation to verify descendancy.
    b) Personal & Financial Readiness Consultation.
3. Enrollment & Qualification
  • Fully Approved applicants enroll in the program and receive a Reparative Transfer reservation.
  • Enrollees have 120 days to:
    • Find, finance, and buy a home in Metro Detroit (Wayne, Oakland, or Macomb counties).
    • Select their homebuying team (lender, realtor, etc.).
    • Upload documents to a secure folder for third-party review and verification.
4. Funding Notification & Escrow Transfer
  • Once all requirements are met and documentation is verified, RepGen issues the official HORT Funding Notification and Agreement.
  • The $25,000 Reparative Transfer is wired directly to the escrow account at the lending institution.
5. Closing & Homeownership
  • Enrollees complete all necessary steps to close on the home (title, down payment, mortgage).
  • A copy of the deed is submitted to RepGen for recordkeeping.
  • Homeowners schedule a debrief with their homebuying team and decide how they wish to stay connected to RepGen or support the broader reparations movement.
  • Participants are encouraged to save program records for seven years.
  • For two years participants will engage in RepGen’s Reparative Evaluation process to evaluate the impact of their participation 

Realtors and lenders who serve the Metro Detroit Area and wish to be included on the HORT 3.0 Resource List will attend a virtual orientation on September 2nd or 3rd at 4:00 pm ET to better support prospective homebuyers and understand RepGen’s reparative approach. Sign up here.

Questions? Contact Karen Hughes, HORT 3.0 Program Manager, at [email protected].

HORT PROGRAM HOMEOWNERS IN THEIR OWN WORDS:

“Being able to purchase a house…was so out of reach until I heard about [the HORT Program]. And so it really did change our lives.”

 

“[In my new home] I’m around established neighborhood grocery stores…and I’m close to Eastern Market….I can look out my balcony over into the Dequindre cut where they have all types of events and concerts. It’s a lot more livelier than my old neighborhood.”

 

“Every part of the process was exciting. I mean, you know, how many people can say that they’re finding out about their genealogy, their lineage, as well as receiving $25,000 to help purchase a home?

REPARATIVE EVALUATION:

RepGen’s Reparative Evaluation model is grounded in the five Social Determinants of Health.

 

 

Our Reparative Evaluation program evaluates HORT participants and recipients alike to answer questions such as, “Did this reparative transfer heal harm to the recipient and the contributor?” Did it create wealth? Did it benefit the community at large? The findings guide our ongoing program iterations and are shared publicly via our Annual Impact Report, newsletters, events, and forums. We meet with policymakers and reparations movement leaders to help inform the design of reparative programs for maximum impact and to demonstrate the efficacy of Reparative Acts. We believe gathering evidence of the need for and impact of Reparations Programs is critical to maintaining momentum and buttressing the efforts of local, state, and federal allies. Finally, our Reparative Evaluation model aims to center participant voices, be mutually beneficial, be cost-effective and replicable, and not cause harm or extract resources.

Interested in supporting this critical work?

Sign up for updates via the RepGen Newsletter or contribute to the HORT 3.0 Fund today.