The most significant change in 2017 was the passage of the in December, which altered long-term homeownership benefits. Mortgage Interest Deduction (MID) :

These programs provided low-down-payment options that functioned as primary incentives for entry-level buyers in 2017.

: These remained a key federal-to-state incentive, allowing qualified buyers to claim a direct federal tax credit for a portion of their annual mortgage interest. Government-Backed Loan Programs

: Prior to the 2017 reform, interest on up to $100,000 of home equity debt was deductible regardless of how the funds were used.