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POSITIVE Housing & Affordability 118th Congress

H.R.4231 Downpayment Toward Equity Act of 2023

Provides $25,000 in downpayment assistance for first-generation homebuyers to close the racial homeownership gap (118th Congress)

View on Congress.gov

Legal & Constitutional Grounding

Census data shows 30.9-point white-Black homeownership gap (75.1% vs 44.2%); Fair Housing Act mandates equity.

U.S. Census Bureau via FRED: White non-Hispanic homeownership 75.1% vs. Black homeownership 44.2% (Q4 2025)
  • 42 U.S.C. § 3601 — Fair Housing Act: U.S. policy to provide fair housing throughout the United States
  • 42 U.S.C. § 3604 — Fair Housing Act prohibition on housing discrimination by race

Bill activity

Introduced Jun 21, 2023 by Maxine Waters (D-CA) with 3 original cosponsors. 57 cosponsors as of Sep 10, 2024.

Rep. Pat Ryan (D-NY-18) is listed as a cosponsor, added Sep 10, 2024, 447 days after introduction.
  1. IntroducedJun 21, 2023
  2. Passed House 
  3. Passed Senate 
  4. To President 
  5. Became Law 

Latest action Jun 21, 2023: Referred to the House Committee on Financial Services.

Cosponsors during the cosponsorship window

118th Congress (Jan 2023 to Jan 2025)

Sep 2023NovDecFeb 2024AprMayJunJulAugSepOctNovDecJun 21, 2023Jan 3, 2025 (closed)3 originalAl Green (D-TX-9). Cosponsored Jun 21, 2023, on the day of introduction. Original cosponsor.Ayanna Pressley (D-MA-7). Cosponsored Jun 21, 2023, on the day of introduction. Original cosponsor.Sylvia R. Garcia (D-TX-29). Cosponsored Jun 21, 2023, on the day of introduction. Original cosponsor.Adam B. Schiff (D-CA-28). Cosponsored Jul 6, 2023, 15 days after introduction.Adam Smith (D-WA-9). Cosponsored Jul 6, 2023, 15 days after introduction.Brittany Pettersen (D-CO-7). Cosponsored Jul 6, 2023, 15 days after introduction.Eleanor Holmes Norton (D-DC). Cosponsored Jul 6, 2023, 15 days after introduction.Emanuel Cleaver (D-MO-5). Cosponsored Jul 6, 2023, 15 days after introduction.Grace Meng (D-NY-6). Cosponsored Jul 6, 2023, 15 days after introduction.Gregory W. Meeks (D-NY-5). Cosponsored Jul 6, 2023, 15 days after introduction.Gwen Moore (D-WI-4). Cosponsored Jul 6, 2023, 15 days after introduction.Henry C. "Hank" Johnson Jr. (D-GA-4). Cosponsored Jul 6, 2023, 15 days after introduction.Ilhan Omar (D-MN-5). Cosponsored Jul 6, 2023, 15 days after introduction.James P. McGovern (D-MA-2). Cosponsored Jul 6, 2023, 15 days after introduction.Jasmine Crockett (D-TX-30). Cosponsored Jul 6, 2023, 15 days after introduction.Jimmy Gomez (D-CA-34). Cosponsored Jul 6, 2023, 15 days after introduction.Jonathan L. Jackson (D-IL-1). Cosponsored Jul 6, 2023, 15 days after introduction.Joyce Beatty (D-OH-3). Cosponsored Jul 6, 2023, 15 days after introduction.Juan Vargas (D-CA-52). Cosponsored Jul 6, 2023, 15 days after introduction.Mark Pocan (D-WI-2). Cosponsored Jul 6, 2023, 15 days after introduction.Mary Gay Scanlon (D-PA-5). Cosponsored Jul 6, 2023, 15 days after introduction.Morgan McGarvey (D-KY-3). Cosponsored Jul 6, 2023, 15 days after introduction.Nikema Williams (D-GA-5). Cosponsored Jul 6, 2023, 15 days after introduction.Rashida Tlaib (D-MI-12). Cosponsored Jul 6, 2023, 15 days after introduction.Ritchie Torres (D-NY-15). Cosponsored Jul 6, 2023, 15 days after introduction.Salud O. Carbajal (D-CA-24). Cosponsored Jul 6, 2023, 15 days after introduction.Stephen F. Lynch (D-MA-8). Cosponsored Jul 6, 2023, 15 days after introduction.Steven Horsford (D-NV-4). Cosponsored Jul 6, 2023, 15 days after introduction.Suzanne Bonamici (D-OR-1). Cosponsored Jul 6, 2023, 15 days after introduction.Sydney Kamlager-Dove (D-CA-37). Cosponsored Jul 6, 2023, 15 days after introduction.Wiley Nickel (D-NC-13). Cosponsored Jul 6, 2023, 15 days after introduction.Jahana Hayes (D-CT-5). Cosponsored Sep 14, 2023, 85 days after introduction.Mike Levin (D-CA-49). Cosponsored Sep 14, 2023, 85 days after introduction.Nancy Pelosi (D-CA-11). Cosponsored Sep 14, 2023, 85 days after introduction.Sara Jacobs (D-CA-51). Cosponsored Sep 14, 2023, 85 days after introduction.Barbara Lee (D-CA-12). Cosponsored Jan 3, 2024, 196 days after introduction.Delia C. Ramirez (D-IL-3). Cosponsored Jan 3, 2024, 196 days after introduction.Dwight Evans (D-PA-3). Cosponsored Jan 3, 2024, 196 days after introduction.Ruben Gallego (D-AZ-3). Cosponsored Jan 3, 2024, 196 days after introduction.Ted Lieu (D-CA-36). Cosponsored Jan 3, 2024, 196 days after introduction.Alexandria Ocasio-Cortez (D-NY-14). Cosponsored Feb 7, 2024, 231 days after introduction.Katie Porter (D-CA-47). Cosponsored Feb 7, 2024, 231 days after introduction.Raúl M. Grijalva (D-AZ-7). Cosponsored Feb 7, 2024, 231 days after introduction.Gabe Amo (D-RI-1). Cosponsored Apr 12, 2024, 296 days after introduction.Jill N. Tokuda (D-HI-2). Cosponsored Apr 12, 2024, 296 days after introduction.Nanette Diaz Barragán (D-CA-44). Cosponsored Apr 12, 2024, 296 days after introduction.Ro Khanna (D-CA-17). Cosponsored Apr 12, 2024, 296 days after introduction.Summer L. Lee (D-PA-12). Cosponsored Apr 12, 2024, 296 days after introduction.Teresa Leger Fernandez (D-NM-3). Cosponsored Apr 12, 2024, 296 days after introduction.Becca Balint (D-VT). Cosponsored Sep 10, 2024, 447 days after introduction.Frank Pallone (D-NJ-6). Cosponsored Sep 10, 2024, 447 days after introduction.Greg Landsman (D-OH-1). Cosponsored Sep 10, 2024, 447 days after introduction.Jamie Raskin (D-MD-8). Cosponsored Sep 10, 2024, 447 days after introduction.Patrick Ryan (D-NY-18). Cosponsored Sep 10, 2024, 447 days after introduction.Robert Garcia (D-CA-42). Cosponsored Sep 10, 2024, 447 days after introduction.Shri Thanedar (D-MI-13). Cosponsored Sep 10, 2024, 447 days after introduction.Steve Cohen (D-TN-9). Cosponsored Sep 10, 2024, 447 days after introduction. Nov 2023Mar 2024JunAugOctDecJun 21, 2023Jan 3, 2025 (closed)3 originalAl Green (D-TX-9). Cosponsored Jun 21, 2023, on the day of introduction. Original cosponsor.Ayanna Pressley (D-MA-7). Cosponsored Jun 21, 2023, on the day of introduction. Original cosponsor.Sylvia R. Garcia (D-TX-29). Cosponsored Jun 21, 2023, on the day of introduction. Original cosponsor.Adam B. Schiff (D-CA-28). Cosponsored Jul 6, 2023, 15 days after introduction.Adam Smith (D-WA-9). Cosponsored Jul 6, 2023, 15 days after introduction.Brittany Pettersen (D-CO-7). Cosponsored Jul 6, 2023, 15 days after introduction.Eleanor Holmes Norton (D-DC). Cosponsored Jul 6, 2023, 15 days after introduction.Emanuel Cleaver (D-MO-5). Cosponsored Jul 6, 2023, 15 days after introduction.Grace Meng (D-NY-6). Cosponsored Jul 6, 2023, 15 days after introduction.Gregory W. Meeks (D-NY-5). Cosponsored Jul 6, 2023, 15 days after introduction.Gwen Moore (D-WI-4). Cosponsored Jul 6, 2023, 15 days after introduction.Henry C. "Hank" Johnson Jr. (D-GA-4). Cosponsored Jul 6, 2023, 15 days after introduction.Ilhan Omar (D-MN-5). Cosponsored Jul 6, 2023, 15 days after introduction.James P. McGovern (D-MA-2). Cosponsored Jul 6, 2023, 15 days after introduction.Jasmine Crockett (D-TX-30). Cosponsored Jul 6, 2023, 15 days after introduction.Jimmy Gomez (D-CA-34). Cosponsored Jul 6, 2023, 15 days after introduction.Jonathan L. Jackson (D-IL-1). Cosponsored Jul 6, 2023, 15 days after introduction.Joyce Beatty (D-OH-3). Cosponsored Jul 6, 2023, 15 days after introduction.Juan Vargas (D-CA-52). Cosponsored Jul 6, 2023, 15 days after introduction.Mark Pocan (D-WI-2). Cosponsored Jul 6, 2023, 15 days after introduction.Mary Gay Scanlon (D-PA-5). Cosponsored Jul 6, 2023, 15 days after introduction.Morgan McGarvey (D-KY-3). Cosponsored Jul 6, 2023, 15 days after introduction.Nikema Williams (D-GA-5). Cosponsored Jul 6, 2023, 15 days after introduction.Rashida Tlaib (D-MI-12). Cosponsored Jul 6, 2023, 15 days after introduction.Ritchie Torres (D-NY-15). Cosponsored Jul 6, 2023, 15 days after introduction.Salud O. Carbajal (D-CA-24). Cosponsored Jul 6, 2023, 15 days after introduction.Stephen F. Lynch (D-MA-8). Cosponsored Jul 6, 2023, 15 days after introduction.Steven Horsford (D-NV-4). Cosponsored Jul 6, 2023, 15 days after introduction.Suzanne Bonamici (D-OR-1). Cosponsored Jul 6, 2023, 15 days after introduction.Sydney Kamlager-Dove (D-CA-37). Cosponsored Jul 6, 2023, 15 days after introduction.Wiley Nickel (D-NC-13). Cosponsored Jul 6, 2023, 15 days after introduction.Jahana Hayes (D-CT-5). Cosponsored Sep 14, 2023, 85 days after introduction.Mike Levin (D-CA-49). Cosponsored Sep 14, 2023, 85 days after introduction.Nancy Pelosi (D-CA-11). Cosponsored Sep 14, 2023, 85 days after introduction.Sara Jacobs (D-CA-51). Cosponsored Sep 14, 2023, 85 days after introduction.Barbara Lee (D-CA-12). Cosponsored Jan 3, 2024, 196 days after introduction.Delia C. Ramirez (D-IL-3). Cosponsored Jan 3, 2024, 196 days after introduction.Dwight Evans (D-PA-3). Cosponsored Jan 3, 2024, 196 days after introduction.Ruben Gallego (D-AZ-3). Cosponsored Jan 3, 2024, 196 days after introduction.Ted Lieu (D-CA-36). Cosponsored Jan 3, 2024, 196 days after introduction.Alexandria Ocasio-Cortez (D-NY-14). Cosponsored Feb 7, 2024, 231 days after introduction.Katie Porter (D-CA-47). Cosponsored Feb 7, 2024, 231 days after introduction.Raúl M. Grijalva (D-AZ-7). Cosponsored Feb 7, 2024, 231 days after introduction.Gabe Amo (D-RI-1). Cosponsored Apr 12, 2024, 296 days after introduction.Jill N. Tokuda (D-HI-2). Cosponsored Apr 12, 2024, 296 days after introduction.Nanette Diaz Barragán (D-CA-44). Cosponsored Apr 12, 2024, 296 days after introduction.Ro Khanna (D-CA-17). Cosponsored Apr 12, 2024, 296 days after introduction.Summer L. Lee (D-PA-12). Cosponsored Apr 12, 2024, 296 days after introduction.Teresa Leger Fernandez (D-NM-3). Cosponsored Apr 12, 2024, 296 days after introduction.Becca Balint (D-VT). Cosponsored Sep 10, 2024, 447 days after introduction.Frank Pallone (D-NJ-6). Cosponsored Sep 10, 2024, 447 days after introduction.Greg Landsman (D-OH-1). Cosponsored Sep 10, 2024, 447 days after introduction.Jamie Raskin (D-MD-8). Cosponsored Sep 10, 2024, 447 days after introduction.Patrick Ryan (D-NY-18). Cosponsored Sep 10, 2024, 447 days after introduction.Robert Garcia (D-CA-42). Cosponsored Sep 10, 2024, 447 days after introduction.Shri Thanedar (D-MI-13). Cosponsored Sep 10, 2024, 447 days after introduction.Steve Cohen (D-TN-9). Cosponsored Sep 10, 2024, 447 days after introduction.
Democratic 57

Each dot is one cosponsor. Dots stack by sign-on day, or by week when the window is long. The block at the left holds the original cosponsors.

Cosponsorship closed Jan 3, 2025 (118th Congress): the Congress ended with the bill still in committee.

Activity log

Source: Congress.gov actions
  1. Introduced in House
  2. Referred to the House Committee on Financial Services.
  3. 3 original cosponsors on the day of introduction
  4. 28 members cosponsored
  5. 4 members cosponsored
  6. 5 members cosponsored
  7. 3 members cosponsored
  8. 6 members cosponsored
  9. 8 members cosponsored

Votes on this bill

No recorded votes yet on this measure.

Cosponsors

57 cosponsored

Sponsor Introduced by Maxine Waters (D-CA) on Jun 21, 2023

MemberParty/StateDateDays after introductionOriginalGrade
Al GreenD-TXJun 21, 20230OriginalC
Ayanna PressleyD-MAJun 21, 20230OriginalC
Sylvia R. GarciaD-TXJun 21, 20230OriginalB+
Adam B. SchiffD-CAJul 6, 202315—
Adam SmithD-WAJul 6, 202315F
Brittany PettersenD-COJul 6, 202315C-
Eleanor Holmes NortonD-DCJul 6, 202315—
Emanuel CleaverD-MOJul 6, 202315C+
Grace MengD-NYJul 6, 202315D
Gregory W. MeeksD-NYJul 6, 202315D
Gwen MooreD-WIJul 6, 202315C
Henry C. "Hank" Johnson Jr.D-GAJul 6, 202315C+
Ilhan OmarD-MNJul 6, 202315A-
James P. McGovernD-MAJul 6, 202315A-
Jasmine CrockettD-TXJul 6, 202315D
Jimmy GomezD-CAJul 6, 202315A-
Jonathan L. JacksonD-ILJul 6, 202315C
Joyce BeattyD-OHJul 6, 202315A+
Juan VargasD-CAJul 6, 202315B+
Mark PocanD-WIJul 6, 202315C+
Mary Gay ScanlonD-PAJul 6, 202315C
Morgan McGarveyD-KYJul 6, 202315C+
Nikema WilliamsD-GAJul 6, 202315C+
Rashida TlaibD-MIJul 6, 202315A-
Ritchie TorresD-NYJul 6, 202315B+
Salud O. CarbajalD-CAJul 6, 202315B+
Stephen F. LynchD-MAJul 6, 202315D
Steven HorsfordD-NVJul 6, 202315C
Suzanne BonamiciD-ORJul 6, 202315D
Sydney Kamlager-DoveD-CAJul 6, 202315C
Wiley NickelD-NCJul 6, 202315—
Jahana HayesD-CTSep 14, 202385D
Mike LevinD-CASep 14, 202385C
Nancy PelosiD-CASep 14, 202385F
Sara JacobsD-CASep 14, 202385C
Barbara LeeD-CAJan 3, 2024196—
Delia C. RamirezD-ILJan 3, 2024196A+
Dwight EvansD-PAJan 3, 2024196A+
Ruben GallegoD-AZJan 3, 2024196—
Ted LieuD-CAJan 3, 2024196B+
Alexandria Ocasio-CortezD-NYFeb 7, 2024231C
Katie PorterD-CAFeb 7, 2024231—
Raúl M. GrijalvaD-AZFeb 7, 2024231—
Gabe AmoD-RIApr 12, 2024296C
Jill N. TokudaD-HIApr 12, 2024296C
Nanette Diaz BarragánD-CAApr 12, 2024296C+
Ro KhannaD-CAApr 12, 2024296C
Summer L. LeeD-PAApr 12, 2024296C+
Teresa Leger FernandezD-NMApr 12, 2024296C
Becca BalintD-VTSep 10, 2024447B+
Frank PalloneD-NJSep 10, 2024447C
Greg LandsmanD-OHSep 10, 2024447C
Jamie RaskinD-MDSep 10, 2024447D
Patrick RyanD-NYSep 10, 2024447D
Robert GarciaD-CASep 10, 2024447C-
Shri ThanedarD-MISep 10, 2024447A+
Steve CohenD-TNSep 10, 2024447C+

Provides $25,000 downpayment assistance for first-generation homebuyers. The racial homeownership gap (74% white vs. 44% Black, Census) reflects documented historical lending discrimination that downpayment barriers perpetuate.