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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.

Sub-Topics:

  • Housing Market Crisis

related publications


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    February 11, 2013

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Testimony on Means-Tested Programs and Tax Credits for Low-Income Households

report

June 18, 2013

read complete document  (pdf, 204 kb)

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S. 534, National Association of Registered Agents and Brokers Reform Act of 2013

cost estimate

June 13, 2013

read complete document  (pdf, 34 kb)

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S.J. Res. 12, a joint resolution to consent to certain amendments enacted by the legislature of the State of Hawaii to the Hawaiian Homes Commission Act, 1920

cost estimate

May 30, 2013

read complete document  (pdf, 23 kb)

related publications


  • Updated Budget Projections: Fiscal Years 2013 to 2023

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    October 11, 2012
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Report on the Troubled Asset Relief Program—May 2013

report

May 23, 2013

read complete document  (pdf, 182 kb)

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  • document

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  • Supplemental Data

related publications


  • Modifying Mortgages Involving Fannie Mae and Freddie Mac: Options for Principal Forgiveness

    May 01, 2013

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Options for Principal Forgiveness in Mortgages Involving Fannie Mae and Freddie Mac: Working Paper 2013-02

working paper

May 1, 2013

read complete document  (pdf, 437 kb)

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related publications


  • Options for Principal Forgiveness in Mortgages Involving Fannie Mae and Freddie Mac: Working Paper 2013-02

    May 01, 2013

  • The Budgetary Cost of Fannie Mae and Freddie Mac and Options for the Future Federal Role in the Secondary Mortgage Market

    June 02, 2011

  • Policies for Increasing Economic Growth and Employment in 2012 and 2013

    November 15, 2011

  • An Evaluation of Large-Scale Mortgage Refinancing Programs

    September 01, 2011
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  • Follow Us On Twitter
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Modifying Mortgages Involving Fannie Mae and Freddie Mac: Options for Principal Forgiveness

report

May 1, 2013

read complete document  (pdf, 227 kb)

monthly archive

  • September 2013 (22)
  • August 2013 (2)
  • July 2013 (5)
  • June 2013 (10)
  • May 2013 (19)
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  • January 2013 (11)
  • December 2012 (4)
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Fannie Mae, Freddie Mac, and the Future of the Secondary Mortgage Market

posted by Damien Moore & David Torregrosa on April 4, 2013

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H.R. 1003, a bill to improve consideration by the Commodity Futures Trading Commission of the costs and benefits of its regulations and orders

cost estimate

April 1, 2013

read complete document  (pdf, 25 kb)

monthly archive

  • September 2013 (22)
  • August 2013 (2)
  • July 2013 (5)
  • June 2013 (10)
  • May 2013 (19)
  • April 2013 (14)
  • March 2013 (22)
  • February 2013 (10)
  • January 2013 (11)
  • December 2012 (4)
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  • October 2012 (4)
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U.S. Economic Performance

posted by Doug Elmendorf on March 21, 2013

monthly archive

  • September 2013 (22)
  • August 2013 (2)
  • July 2013 (5)
  • June 2013 (10)
  • May 2013 (19)
  • April 2013 (14)
  • March 2013 (22)
  • February 2013 (10)
  • January 2013 (11)
  • December 2012 (4)
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  • October 2012 (4)
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Snapshot of Guarantees of New Residential Mortgages

posted by Susanne Mehlman on March 15, 2013

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