It is dumb. It's an exersize in shifting money from relatively lower income renters who will never have enough money for a downpayment and who will never own a

It is dumb. It's an exersize in shifting money from relatively lower income renters who will never have enough money for a downpayment and who will never own a home, toward the relatively rich on the cusp of being able to buy. Of course the main winner here is the home builder.