A reply to "The Poker Grind"

In my previous topic, I mentioned a possible charitable organization that would help people in a new community afford a down payment on a house. The Poker Grind replied to that topic here: https://www.blogger.com/comment.g?blogID=6211062033346602424&postID=7339826081785940521.

I just wanted to respond to The Poker Grind.

While I am not saying that it is one's right to own a house. And, again, I am also not saying that I know that the charitable organization would be halachically correct.
I am saying is that anytime you start a new community, the costs for the first few families is very large, because of the lack of Kosher food, Jewish schools, Mikvah, Sefer Torah, Shul/community center, etc. I believe that it would be a lot easier to convince people to take on the challenge by offering help with the house. If I am not mistaken, I believe that the Jewish community in or around Baltimore offers young couples the down payment on their house as a free loan and if the couple lives there for a certain amount of years, the loan is waved.
Once again, I am not saying that I have all the answers or even know all the questions. I am just shooting from the lip. Some of my thoughts will be correct and some will be false.
Maybe it was/is wrong of me to think that people would more easily move to a new community, when it is easier for them to live in their own house.
Last thought, I doubt a mortgage in this new community, where ever it might be, would be $3,500/month. Once again, that is exactly one of the main reasons that people are flocking out of NYC. People can not afford $3,500/month. If the down payment was made for these families on a house in a new neighborhood, their former rent payments would probably cover most, if not all, of the mortgage.

I am glad to see that other opinions will be formed on this blog. It is the main reason that I started to write it. Thank you, The Poker Grind.