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Access & Affordability

Supporting sustainable reforms that remove barriers to homeownership

USMI members continue to help millions of borrowers bridge the down payment gap. USMI supports sensible regulatory and legislative reforms to further address barriers to homeownership and promote an equitable and sustainable housing finance system backed by private capital.


Additional Resources:

  • Infographic: Private Mortgage Insurance: A Powerful Tool to Buy a Home that has Declined in Cost
  • Op-Ed: Private Mortgage Insurance: One of the Most Powerful Financial Tools for First-Time Buyers
  • Op-Ed: Low Down Payment Mortgages Make It Possible To Buy A Home In A High-Rate Environment
  • Testimony: USMI Testifies on Housing Affordability: Governmental Barriers and Market-Based Solutions
  • Op-Ed: You can still buy a house with a low down payment
  • Podcast: President Seth Appleton on HousingWire’s Daily Podcast
  • Op-Ed: PMI is good for first-time buyers and housing finance system

Latest News:

February 20, 2026
Letter: Improving Housing Affordability Through Bank Capital Modernization
On February 20, USMI joined a coalition letter to banking regulators in support of efforts to modernize bank capital standards.
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December 23, 2025
Statement: FHFA’s 2026 – 2028 Enterprise Housing Goals
Seth Appleton, President of USMI, released the following statement regarding U.S. Federal Housing’s (FHFA) final rule on 2026-2028 Enterprise Housing Goals.
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December 1, 2025
Letter: Joint Trade Letter to SEC on Prioritizing “Asset-Backed Securities Registration and Disclosure Enhancements”
USMI joined the ABA, SIFMA, MBA, SIFMA-AMG, ICBA, SFA, and HPC in sending a letter to SEC Chairman Paul Atkins commending the Commission for prioritizing “Asset-Backed Securities Registration and Disclosure Enhancements” on the Spring 2025 Unified Agenda of Regulatory and Deregulatory Actions.
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Policy Priorities

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1101 17th Street NW, Suite 700
Washington, DC 20036
Phone: 202-280-1820
Email: media@usmi.org


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