Congressional Budget Office

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Congressional Budget Office

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Housing

The federal government plays a substantial role in the housing market. Fannie Mae and Freddie Mac purchase and guarantee loans from banks and other lenders, and the Federal Housing Administration and some other agencies increase the availability of mortgages by assuming most of the risk of default on loans to eligible home buyers. In addition, the federal tax code encourages home ownership by allowing deductions of mortgage interest and property taxes and excluding most capital gains from taxation when a home is sold. CBO's work (including its analysis of Fannie Mae and Freddie Mac) assesses the effects of those policies and the impact of legislative proposals regarding the housing market.

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  • Housing Market Crisis
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Mortgage and Housing Markets

presentation

April 1, 2008


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Testimony on Options for Responding to Short-Term Economic Weakness

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January 22, 2008

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Options for Responding to Short-Term Economic Weakness

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January 15, 2008

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Testimony on the Current Economic Situation

report

December 5, 2007

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Testimony on Turbulence in Mortgage Markets: Implications for the Economy and Policy Options

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September 19, 2007

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The Budget and Economic Outlook: An Update

report

August 23, 2007

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Background Paper: Housing Wealth and Consumer Spending

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January 1, 2007

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Assessing the Government's Costs for Mortgage Insurance Provided by the Federal Housing Administration

report

July 19, 2006

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Measuring the Capital Positions of Fannie Mae and Freddie Mac

report

June 1, 2006

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Testimony on the Budgetary Treatment of Subsidies in the National Flood Insurance Program

report

January 25, 2006

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