Housing
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Report
The Effects of Increasing Fannie Mae’s and Freddie Mac’s Capital
October 20, 2016In this report, CBO analyzes a policy that would allow Fannie Mae and Freddie Mac to increase their capital by reducing their payments to the government and discusses the effects that it would have on the budget and the mortgage market.
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The Federal Role in the Financing of Multifamily Rental Properties
December 3, 2015CBO reviews the federal government’s current role in the multifamily mortgage market and four broad approaches to modifying that role.
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Report
Federal Housing Assistance for Low-Income Households
September 9, 2015CBO describes federal housing assistance to low-income households and how it has changed since 2000, provides information about the households that receive assistance, and assesses options for altering that assistance.
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Transitioning to Alternative Structures for Housing Finance
December 16, 2014CBO analyzed possible transitions to four alternative market structures that involve choices about whether and how the government would continue to guarantee payment on mortgages and mortgage-backed securities.
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Budgetary Estimates for the Single-Family Mortgage Guarantee Program of the Federal Housing Administration
September 23, 2014Loan guarantees made in the FHA’s single-family mortgage program between 1992 and 2013 are now projected to generate small costs over their lifetimes rather than the significant savings that were originally recorded in the federal budget.
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Report
Modifying Mortgages Involving Fannie Mae and Freddie Mac: Options for Principal Forgiveness
May 1, 2013CBO examined three options for Fannie Mae and Freddie Mac to use principal forgiveness for certain underwater borrowers. How would those options affect the number of mortgage defaults, the federal budget, and the overall economy?
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Growth in Means-Tested Programs and Tax Credits for Low-Income Households
February 11, 2013During the past 40 years, federal spending for major means-tested programs and tax credits for low-income households more than tripled as a share of gross domestic product. In 2012, such spending totaled $588 billion.
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Report
Fannie Mae, Freddie Mac, and the Federal Role in the Secondary Mortgage Market
December 22, 2010This study looks at how Fannie Mae and Freddie Mac evolved into the institutions they are today.