Agreed, this should be a tax code line with a small number of ORed entry conditions. - OR - at least one of * First time home buyer * Total homes owned plus

Agreed, this should be a tax code line with a small number of ORed entry conditions. - OR - at least one of * First time home buyer * Total homes owned plus being purchased will remain at one after the transaction is completed, and net-worth is under 20% the cost of a median home within the home's metro area. * Qualified for a federal benefits program excluded from the upper 60% of society The phrasing on the last one is specific, it's the wording required to select for economically disadvantaged individuals in a mechanically testable way. The exact number might be tweaked, this is just a back of the napkin ballpark. Other entry qualifiers can be added to the list. The second allows someone to move homes and if they need the benefit, not be locked out of assistance moving to an economically 'hotter' area that might have better jobs.