01
Denied mortgages and FHA access
Government-backed housing access denied while white wealth was subsidized.
Base
$500B
Current
$500B
Since Base
$0
Today
$66.8M
Per Second
$773/sec
Category Share
25.0%
Final Total Due
$14,000,000,000,000
The national invoice remains visible while this page isolates the live values inside one category.
Total Clock
Added Today
$1.87B
Per Second
$21.6K/sec
Scenario
5%
Category 06
Housing Theft + Redlining
Denied mortgages, appraisal discrimination, predatory lending, disinvestment, displacement, and lost home appreciation.
Base Principal
$2T
Current Value
$2T
Since Base
$0
Added Today
$267M
Per Second
$3.09K/sec
Share of Total
14.3%
Category Breakdown
Live line items inside this category.
These sub-line items make up the category total and update using the same date-anchored equation as the main invoice.
02
Lost home appreciation
The missed compounding equity from neighborhoods and homes Black families were blocked from owning.
Base
$600B
Current
$600B
Since Base
$0
Today
$80.2M
Per Second
$928/sec
Category Share
30.0%
03
Redlining and disinvestment
Capital, insurance, loans, and municipal support withheld from Black neighborhoods.
Base
$375B
Current
$375B
Since Base
$0
Today
$50.1M
Per Second
$580/sec
Category Share
18.8%
04
Predatory lending and appraisal bias
Higher costs, lower valuations, and exploitative terms imposed on Black borrowers.
Base
$300B
Current
$300B
Since Base
$0
Today
$40.1M
Per Second
$464/sec
Category Share
15.0%
05
Urban renewal and highway displacement
Communities displaced or fragmented by public projects that destroyed Black wealth corridors.
Base
$225B
Current
$225B
Since Base
$0
Today
$30.1M
Per Second
$348/sec
Category Share
11.3%
Calculation
Current value = base principal × (1 + annual rate)elapsed years
The page uses the same base valuation date as the main dashboard: January 1, 2026. Changing the scenario adjusts the annual accrual rate for the national total, the selected category, and every category sub-line item.