01/18/2026
📣 Possible Big Change for Homebuyers!
There’s a proposal being talked about that would let people use 401(k) money for a home down payment without the usual penalty.
For a lot of buyers, it’s not the monthly payment — it’s the down payment that’s the hurdle. This could make homeownership more doable for some. 🏡
Not official yet, but interesting for first-time buyers to watch.
👉 Reliable source for more info:
https://www.reuters.com/sustainability/boards-policy-regulation/trump-housing-plan-allow-401k-money-down-payments-adviser-says-2026-01-16/
IF this becomes real and you’re curious what it could mean for your buying situation, or how to qualify for a mortgage, I’m happy to help you run scenarios and options.
The Trump administration plans to allow investors to use some of their retirement funds to make a down payment on a house, White House economic adviser Kevin Hassett said on Friday, adding that more details will be released next week.