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substantial upgrades without application of significant equities to new loans. No data exists with respect to this population. Housin9 Needs of the Elderly In 1976, lO percent of the population was elderly; if proportionately true today, approximately 20,980 individuals are elderly. Most will be on fixed incomes. Housing needs of this population group revolve around housing affordability, most especially for renters; the need for assistance in maintaining housing condition in the case of long-term homeowners; and limitations on housing choice for both owners and renters seeking alternative accommodations, both because of housing type limitations in the marketplace (physical configuration) and the higher costs of alternative housing. The City's current Housing Assistance Plan (HAP) estimates that approximately 2,180 elderlyl) households are in need of housing assistance. The HAP will be found in the Appendix. Housin~ Needs of the Handicapped and Disabled The State Department of Rehabilitation indicates that approximately 2.5 percent of the population in each of California's communities is physically handicapped or disabled. This equates to 5,245 individuals in Santa Ana (n 1981. Most handicapped and disabled persons have fixed incomes in the lower ranges. Housing needs of this segment of the population have primarily to do with housing accessibility and affordability, including needs for group quarters. Housing needs of this group are included in the above-cited figure from the City's current Housing Assistance Plan. Housin9 Needs of Minority Families The Asian and Hispanic immigrant groups have lower-than-average incomes, and, according to local building officials, are likely to be found in overcrowded conditions more frequently than other segments of the population. The housing needs of minority households, as with other households, involve affordability, substandardness and overcrowding. The City's Housing Assistance Plan estimates that 4,525 lower-income minority households are in need of housing assistance; these households constitute 37% of all lower-income households in need of housing assistance. Housin9 Needs of Large Families Large families are defined as those with five or more members. Most require housing of the three-bedroom size and larger. The City's Housing Assistance Plan estimates that 17.8% of the total or 2,176 large families are of lower income and in need of housing assistance. The previously-presented discussion of housing price, particularly that for larger rental units, indicates that most such units are priced out of the reach of most large families with incomes less than $20,000 annually. The housing needs of this group have not just to do with the price of housing, but also'with the lack of availability of rental units in the larger sizes. 1)'- Includes handicapped. 8