The Crichlow family had been renting their modest home in North Miami for about 20 years. That changed last week, thanks to a Miami-Dade County-backed program targeting first-time homebuyers, and a loan from one of the largest black-owned banks in the United States, OneUnited Bank. The Crichlows say they found their dream home thanks to the program: A three-bedroom house in Miami Gardens with a "beautiful" kitchen and living room, according to Mrs. Crichlow, and a big yard. It is perfect for their two young sons. The gap between black and non-black homeownership rates remains substantial both nationally and in the Miami metro area. But the Miami market is outperforming national rates on an overall level of black homeownership, as well as in having closed the local racial gap.