NFHA Tracks Trump’s Broken Promises on Affordability ahead of His State of the Union Address

NFHA Tracks Trump’s Broken Promises on Affordability ahead of His State of the Union Address

WASHINGTON, D.C. – RealEstateRama – Later today, President Trump will deliver his first State of the Union address in his second term in office, while the people of America continue to be in the throes of fair and affordable housing crisis. The?2025 NFHA Annual Fair Housing Trends Report?documented near-record fair housing discrimination complaints, the majority of which are based on disability. The number of households who spend more than 30 percent of their income on rent is at?record highs, with Black and Latino renters being more likely than White renters to be cost-burdened. Both the?racial homeownership gap?and the?racial wealth gap?remain wide and persistent. Additionally, neighborhoods of color that were redlined by federal policies and private practices continued to be segregated from opportunity today.

Instead of addressing these critical issues, over the past year the Trump Administration has engaged in a series of actions that follow the destructive playbook outlined in Project 2025, implementing nearly 70 percent of its housing and lending recommendations. This Administration has also weakened vital fair housing protections, defunded community-based fair housing organizations, and eviscerated staffing at critical agencies such as the U.S. Department of Housing and Urban Development (HUD), Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), and Department of Justice (DOJ)—all under the guise of “increasing efficiency.”

“Housing is fundamental to the American Dream and recent elections have shown that the people of America want elected leaders to quickly implement solutions to ensure they can fairly access opportunity and share in the nation’s prosperity,” said Nikitra Bailey, Executive Vice President of the National Fair Housing Alliance. “Rather than working to alleviate the fair and affordable housing crisis, the Trump Administration’s actions have only compounded the crisis before us.”

In other words, President Trump promises one thing but does the opposite.

• President Trump said he would bring down inflation, instead he’s proposed a 50-year mortgage that would saddle first-generation, first-time homebuyers with debt.
• President Trump said his tariffs would chip away at costs, instead they drove up the cost of appliances, lumber, and other building materials making new homes cost $17,500 more.
• President Trump said he would make housing cheaper, instead his administration is making an acute labor shortage worse by attacking, detaining, and deporting immigrants. Many of these neighbors perform much-needed housing construction and engage in other housing-related professions.
• President Trump said he would increase accessibility to affordable housing for the people of America instead he rolled back key provisions that are proven to increase the supply of affordable homes and ensure that everyone can live and thrive in well-resourced communities.
• President Trump said he would bring back the American Dream, instead he has directed the federal government to do away with crucial fair lending rules helping women and underserved communities and eliminated programs that placed homeownership within reach.

The Administration’s actions continue to cause chaos, fear, insecurity, dysfunction, and rising prices around the country. Instead of providing everyday people of our nation with practical solutions to the housing crisis, the administration is removing rungs on the ladders of opportunity for them and favoring policies to support the wealthiest Americans.

Rather than creating division from Washington, D.C. affecting affordability for the rest of the nation, the Trump Administration should take the following steps to bring down the cost of housing for everyday people:

• Stop attacking our nation’s critical fair housing and lending laws and fully enforce them at HUD, CFPB, FHFA, and DOJ;
• Create a FY27 budget with $125 million for community-based fair housing agencies serving disabled veterans, families with children, seniors, communities of color, survivors of sexual assault and physical violence, LGBTQ+ people, and more with fair access to housing opportunities;
• Work with Congress to pass comprehensive, bipartisan legislation with supply-side and demand-side solutions, including funding for First-Generation homebuyers in the Down Payment Toward Equity Act, the Appraisal Modernization Act, and Neighborhood Homes Investment Act; and
• Reverse harmful actions eliminating the Equal Credit Opportunity Act’s Special Purpose Credit Programs that have generated $17.2 billion in economic impact enabling creditworthy women, Black, Latino, Asian Americans and Pacific Islanders, and Native Americans, and residents of the South to fairly access credit.

Click here to view a chart of the administration’s actions that are worsening the fair and affordable housing crisis and driving up the cost of housing for everyone.

For interviews, please e-mail NFHA Senior Advisor for Communications, Marketing, and Education Julian Glover at .

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The National Fair Housing Alliance (NFHA) is the country’s only national civil rights organization dedicated solely to eliminating all forms of housing and lending discrimination and ensuring equal opportunities for all people. As the trade association for over 170 fair housing and justice-centered organizations and individuals throughout the U.S. and its territories, NFHA works to dismantle longstanding barriers to equity and build diverse, inclusive, well-resourced communities.