Why not simply provide a subsidy directly to that subgroup that can now afford houses because of lower interest rates instead of providing massive benefits to t

Why not simply provide a subsidy directly to that subgroup that can now afford houses because of lower interest rates instead of providing massive benefits to those who can already afford? Not to mention second homes, etc. We are subsidizing the well-off to allow some subgroup to afford owning homes while excluding the poorest from getting any benefits.