{"id":2425,"date":"2021-08-11T20:18:25","date_gmt":"2021-08-11T20:18:25","guid":{"rendered":"https:\/\/preprod.realtrends.com\/blog\/2021\/08\/11\/down-payment-assistance-part-of-3-5t-infrastructure-plan\/"},"modified":"2025-03-13T02:38:54","modified_gmt":"2025-03-13T02:38:54","slug":"down-payment-assistance-part-of-3-5t-infrastructure-plan","status":"publish","type":"post","link":"https:\/\/preprod.realtrends.com\/blog\/2021\/08\/11\/down-payment-assistance-part-of-3-5t-infrastructure-plan\/","title":{"rendered":"Down payment assistance part of $3.5T infrastructure plan"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/preprod.realtrends.com\/blog\/wp-content\/uploads\/sites\/9\/2025\/03\/Washington-D.C.-HW.png\" alt=\"Washington D.C\" class=\"wp-image-267734\"\/><\/figure><\/div>\n\n\n\n<p>Senate Democrats this week unveiled a $3.5 trillion <a href=\"https:\/\/preprod.housingwire.com\/articles\/hopes-for-generational-investment-in-housing-fade-in-dc\/\" target=\"_blank\" rel=\"noreferrer noopener\">social infrastructure framework<\/a> which would include down payment assistance, but little else to address challenges low-income and minority borrowers face in the housing market.<\/p>\n\n\n\n<p>The framework would set aside $332 billion for affordable housing. Senate Democrats hope to pass the legislation through an abbreviated budgetary process known as reconciliation, in tandem with the $1.2 trillion bipartisan infrastructure package, which <a href=\"https:\/\/twitter.com\/SenateCloakroom\/status\/1425122680815169538\" target=\"_blank\" rel=\"noreferrer noopener\">passed the Senate<\/a> on Tuesday. Biden has said he will only sign the bipartisan effort if the $3.5 trillion package, which includes much of his agenda, also passes.<\/p>\n\n\n\n<p>But so far, the proposal contains few ambitious new programs to tackle problems in the housing market. Besides down payment assistance, there&#8217;s no proposal to close the <a href=\"https:\/\/preprod.housingwire.com\/articles\/how-industry-partnerships-help-minimize-the-minority-homeownership-gap\/\" target=\"_blank\" rel=\"noreferrer noopener\">racial homeownership gap<\/a>. Nothing in the proposal would salvage the country\u2019s aging housing stock, or train a fleet of buildings tradespeople to retrofit inefficient homes. There&#8217;s no program make low-dollar mortgages make sense for those who finance them, and no funding to create a homeownership voucher.<\/p>\n\n\n\n<p>Most programs in the $3.5 trillion framework are geared toward renters, not homeowners. The biggest exception is down payment assistance, which President Joe Biden <a href=\"https:\/\/preprod.housingwire.com\/articles\/a-look-at-bidens-first-100-days-and-his-impact-on-housing\/\" target=\"_blank\" rel=\"noreferrer noopener\">campaigned on<\/a>, and which housing affordability proponents have argued would help more <a href=\"https:\/\/preprod.housingwire.com\/articles\/new-15k-first-time-homebuyer-bill\/\" target=\"_blank\" rel=\"noreferrer noopener\">access homeownership<\/a>.<\/p>\n\n\n\n<p>The Senate\u2019s version is light on details, but a legislative proposal already exists in the House of Representatives. In July, California Congresswoman Maxine Waters, who chairs the House Financial Services Committee, proposed a $100 billion down payment assistance bill to provide up to $25,000 to first-time homebuyers.<\/p>\n\n\n\n<p><meta charset=\"utf-8\">It\u2019s possible the Senate could incorporate the Waters down payment assistance bill into legislation, which would ultimately also need to pass the House of Representatives. That will most certainly happen after August, when lawmakers typically take recess. \u2026<em>(article continues on\u00a0<a href=\"https:\/\/preprod.housingwire.com\/articles\/down-payment-assistance-part-of-3-5t-infrastructure-plan\/#\" target=\"_blank\" rel=\"noreferrer noopener\">HousingWire.com<\/a><\/em>)<\/p>\n\n\n\n<p><em>This article was originally published by HousingWire. The\u00a0<a href=\"https:\/\/preprod.housingwire.com\/articles\/down-payment-assistance-part-of-3-5t-infrastructure-plan\/#\" target=\"_blank\" rel=\"noreferrer noopener\">full article is available on HousingWire.com<\/a>\u00a0for HW+ Members.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The $3.5T social infrastructure framework includes down payment assistance, but little else to address housing challenges for low-income borrowers. HW+ Premium Content.<\/p>\n","protected":false},"author":18862,"featured_media":4822,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3255],"tags":[],"coauthors":[843],"class_list":["post-2425","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Down payment assistance part of $3.5T infrastructure plan - RealTrends - Blog<\/title>\n<meta name=\"description\" content=\"The $3.5T social infrastructure framework includes down payment assistance, but little else to address housing challenges for low-income borrowers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/preprod.realtrends.com\/blog\/2021\/08\/11\/down-payment-assistance-part-of-3-5t-infrastructure-plan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Down payment assistance part of $3.5T infrastructure plan\" \/>\n<meta property=\"og:description\" content=\"The $3.5T social infrastructure framework includes down payment assistance, but little else to address housing challenges for low-income borrowers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/preprod.realtrends.com\/blog\/2021\/08\/11\/down-payment-assistance-part-of-3-5t-infrastructure-plan\/\" \/>\n<meta property=\"og:site_name\" content=\"RealTrends - 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