Dbergh...I'm not sure of what this bill might detail but recall my first wife and I had full time jobs way back and bought a brand new house under the FHA 235 PLAN. I recall we paid less per month for our mortgage so this plan had to be subsidized by the government. So with that being said it is up to the system to select qualified people these mortgages and yes not everyone can qualify or be successful in keeping payments up. I know my first wife and I were so thankful to watch a house being built and know it will be ours when it was finished. I don't totally recall but it was some wheres between like $100 - $1000 down and the same amount when you moved in and then of course monthly mortgage payments. I'm not sure about what Biden is proposing but that FHA 235 plan way back placed a big smile on my face. If Biden is proposing something such as the FHA 235 structure then it is a good idea regardless who is President.