{"id":6921,"date":"2025-10-22T08:26:48","date_gmt":"2025-10-22T12:26:48","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=6921"},"modified":"2025-10-22T08:26:49","modified_gmt":"2025-10-22T12:26:49","slug":"real-estate-update-housing-agencies-states-suffer-staggering-blows-in-shutdown","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/real-estate-update-housing-agencies-states-suffer-staggering-blows-in-shutdown\/","title":{"rendered":"Real Estate Update: Housing Agencies, States Suffer \u201cStaggering\u201d Blows in Shutdown"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

The U.S. federal government has been shut down for three weeks now. The impact on everyday life for many has been serious. What might not be obvious is the impact on federal housing agencies and state-based real estate industries. Sellers and buyers are feeling the effects as well. In some states, the impacts are outsized because real estate is the basis of their financial health.<\/p>\n\n\n\n

Overall, real estate holds up 20% of the national economy. Millions of jobs are involved.<\/p>\n\n\n\n\n\n\n\n

The Shutdown\u2019s Collateral Damage\u2026 So Far<\/h2>\n\n\n\n

The U.S. federal government has been shut down for three weeks now. This puts the shutdown among the country\u2019s top three longest funding lapses in recent memory \u2014 number three on the list. The only longer shutdowns happened in 1995 (in the Clinton administration) and 2018 to 2019 (the first Trump term).<\/p>\n\n\n\n

But at the time of this writing, we still do not know when the 2025 federal shutdown will end.<\/p>\n\n\n\n

As long as it lasts, federal flood insurance applications are not being processed. Federal environmental permits may also be delayed. Many housing grants and other grants have been suspended. The U.S. Department of Agriculture has announced that it will cut states off from money to pay for Supplemental Nutrition Assistance Program (SNAP) benefits in November unless Congress opens the government within the next few days.<\/p>\n\n\n\n

Each day, agency closures are costing the U.S. economy $400 million. The toll on real people is beyond calculation. Nine hundred thousand U.S. government staffers have been suspended from their work. Close to 700,000 are still working but not getting paid. The administration plans to permanently dismiss more than 10,000 federal employees. Thousands have already received their pink slips. Some are fighting through the federal court system.<\/p>\n\n\n\n

With federal workers\u2019 lives on hold, real estate markets all over the country are missing a normally dependable pool of home buyers.<\/p>\n\n\n\n

And some of the capital city\u2019s laid-off workers \u2014 more than 400 \u2014 are from the Department of Housing and Urban Development (HUD). The layoffs don\u2019t just put these people out of jobs. The disruptions also put a damper on the vital work of supporting fair and affordable housing nationwide.<\/p>\n\n\n\n

NAR says \u201cthe impact numbers are staggering.\u201d<\/p>\n\n\n\n

Review how <\/strong><\/em>\u201cDepartment of Government Efficiency\u201d firings led to a wave of selling in D.C.<\/em><\/strong><\/a> earlier this year.<\/strong><\/em><\/p>\n\n\n\n

Certain States Are Hurting More Than Others<\/h2>\n\n\n\n

When WalletHub reported on state-specific impacts of the shutdown, the National Association of REALTORS\u00ae broke it down. NAR points to some states as taking especially hard blows to their real estate sectors. Virginia and Maryland are reeling from federal contract and job losses.<\/p>\n\n\n\n

The District of Columbia has borne the heaviest burden of all. As NAR reports, \u201ca huge portion of the District\u2019s residents are going without pay for an extended period of time.\u201d<\/p>\n\n\n\n

But of all the states, The National Association of REALTORS\u00ae says, Florida has the most at stake in the real estate sector.  In Florida, the real estate industry makes up about a quarter of the gross state product. Whenever buyers back off, the Sunshine State\u2019s economy suffers visibly.  <\/p>\n\n\n\n

Hawaii is a close second to Florida. So, the impact of federal job losses is also hitting Hawaii real estate hard. Loss of federal contracts is taking a heavy toll on markets in New Mexico and Connecticut, too.<\/p>\n\n\n\n

The shutdowns are also hitting Delaware, Arizona, and Nevada hard. In places like Las Vegas, the shutdown is depressing an already-cooling housing market.<\/p>\n\n\n\n

Cash Is King, as Government-Backed Lending Wilts<\/h2>\n\n\n\n

Spare a thought for the poor souls who were anticipating final approvals on loans backed by the Federal Housing Administration or the Department of Veterans Affairs when the shutdown began on the 1st<\/sup> of October.  The FHA and VA are open, but with very few employees. USDA rural development loans aren\u2019t available at all.  <\/p>\n\n\n\n

People trying to buy with government-backed loans are struggling, especially if they aren\u2019t already pre-approved and holding a commitment letter<\/a> from a lender. Cash buyers, and buyers using loans backed by Freddie Mac or Fannie Mae, now have a massive edge in the market.<\/p>\n\n\n\n

Cash buyers are in the best position of all. This is because mortgages (including Fannie Mae\u2019s and Freddie Mac\u2019s) can\u2019t be approved until the applicant\u2019s income gets checked against IRS tax records<\/a>. It\u2019s well known that the IRS is dealing with staffing cuts itself. So, mortgages are delayed generally.<\/p>\n\n\n\n

Gavin Brenkus of Brenkus Realty Network points out that the federal holdup has potential buyers looking into state-run plans. For example, first-time buyers who apply for the Nevada Housing Division\u2019s Home Is Possible plan can get loan assistance if they\u2019re willing to complete the requisite buyer course. Nevada\u2019s (and other states\u2019) plans are not<\/em> delayed by the current standoff in Congress. Teachers and others who work in public service roles may want to check their states for loan assistance and grants.<\/p>\n\n\n\n

After the Shutdown, Then What?<\/h2>\n\n\n\n

According to Shannon McGahn, a VP and Chief Advocacy Officer at the National Association of REALTORS\u00ae:<\/p>\n\n\n\n

Each additional day of uncertainty threatens programs that help buyers, sellers, and property owners navigate an already challenging market.<\/em><\/p>\n\n\n\n

At some point, this has got to stop.<\/p>\n\n\n\n

We won\u2019t know the full story until after the stalemate in Congress has been resolved and federal funds are flowing again. But we do know the battering of this market will have prolonged effects. Delayed loan applications are piling up on desks, literally by the thousands. In the first few months after a reopening, the patient buyers who are sticking it out will turn up at closings in large numbers, as their loan approvals finally get to the finish lines.<\/p>\n\n\n\n

With mass layoffs ensuring that workforces at federal agencies will be spread thin, what we\u2019re going through now will reverberate into 2026, maybe beyond.<\/p>\n\n\n\n

In any case, expect a lot of sellers to be out there, waiting to sell after the dust settles. There will be no bidding wars for a while. Sellers will not be calling the shots. Most buyers will not feel the need to hurry through transactions.<\/p>\n\n\n\n

There\u2019s one bright spot. At least sellers can rest assured that buyers will not be put off by 7% mortgage rates. This month, rates for 30-year mortgages have drifted downward, and remain below 6.5%.<\/p>\n\n\n\n

Words to the Wise From NAR<\/h2>\n\n\n\n

The National Association of REALTORS\u00ae suggests that buyers and sellers expect delays. Parties might decide to build an extra month into timelines and agreements from now until\u2026 Well, we just don\u2019t know how long.  <\/p>\n\n\n\n

\n

Supporting References<\/strong><\/p>\n\n\n\n

Daniel Lightfoot at the League of Minnesota Cities via LMC.org<\/em>: Federal Update \u2013 Government Shutdown Drags On<\/a> (Oct. 20, 2025).<\/p>\n\n\n\n

Dina Sartore-Bodo for Realtor.com<\/em>: Government Shutdown Could Stall These Five State Economies Where Real Estate Is King<\/a> (Oct. 16, 2025). \u00a0<\/p>\n\n\n\n

Ross Hettervig for REALTOR\u00ae Magazine<\/em>: As Government Shutdown Continues, So Do Complications in Housing Sector<\/a> (Oct. 16, 2025).<\/p>\n\n\n\n

Gavin Brenkus of Brenkus Realty Network, via The BrenkusTeam.com<\/em>: FHA Loans, Delays, and Deals \u2013 How the Government Shutdown Is Shaping Las Vegas Real Estate in 2025<\/a> (Oct. 7, 2025).<\/p>\n\n\n\n

And as linked.<\/p>\n\n\n\n

More on topics: States working to make deeds affordable<\/a>, ROAD to Housing Act of 2025<\/a><\/p>\n<\/div>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

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