Housing costs are colliding with retirement anxiety, and the latest flashpoint is whether Americans should be able to tap workplace nest eggs to get the keys to a first home. The Trump team has flirted with a plan to let savers raid their 401(k) balances for down payments,

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The obvious issue that many take with the expected Trump 401 (k) housing plan is that you can, theoretically, already withdraw money from your 401 (k) to use for a downpayment on a house. But making such a withdrawal before the age of 59 1/2 usually comes with a 10% penalty, among other possible fees.

California's Dream For All program is reopening applications next month, offering down payment assistance to eligible first-generation homebuyers struggling to break into the state's expensive housing market.

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Saving for a down payment remains one of the biggest barriers to homeownership in the U.S., even as housing market conditions show signs of improvement.

But, if you qualify, you can get down payment assistance if you work in certain professions under the Homes for Texas Heroes program. Those include teachers, teacher aides, school librarians, first responders, veterans or active military, corrections officers, nursing educators and others.

Key Takeaways It took the typical American seven years to save for the median down payment for a house, down from the peak a few years ago but still above pre-pandemic levels.Down payments have gotten higher amid rising home prices,

Saving for a down payment is one of the biggest obstacles to homeownership in the United States, even for buyers who can afford monthly mortgage payments. Having to gather thousands of dollars upfront can delay purchases for years.