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.

Sub-Topics:

  • Housing Market Crisis
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Testimony on the Budgetary Treatment of Subsidies in the National Flood Insurance Program

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January 25, 2006

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Taxing Capital Income: Effective Rates and Approaches to Reform

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October 1, 2005

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Testimony on Aligning the Costs and Benefits of the Housing Government-Sponsored Enterprises

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April 21, 2005

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Estimating the Value of Subsidies for Federal Loans and Loan Guarantees

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August 19, 2004

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The Potential Budgetary Impact of Recognizing Same-Sex Marriages

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June 21, 2004

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Updated Estimates of the Subsidies to the Housing GSEs

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April 8, 2004

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Subsidy Estimates for FHA Mortgage Guarantees

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November 1, 2003

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Testimony on Regulation of the Housing Government-Sponsored Enterprises

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October 23, 2003

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Effects of Repealing Fannie Mae's and Freddie Mac's SEC Exemptions

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May 1, 2003

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Letter to the Honorable Paul S. Sarbanes regarding the new-business assumption in the risk-based capital rule for Fannie Mae and Freddie Mac

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January 3, 2003

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