>Mr. Immergluck favors an idea that would grant down-payment assistance, as Ms. Warren proposes, but that would target households with low family wealth. Ideally, he said, such a program would count parental wealth, too, given that whites [are far more likely] than African-Americans to receive down payment assistance (or any kind of financial help) from their parents.    In other words, Warren's proposal is a decent idea, but the only problem is that those filthy crackers would benefit too. Can't have that.