The 401(k) down payment idea isn’t moving forward right now. Trump recently walked back the proposal that would’ve let first-time buyers tap their retirement savings penalty-free for a home purchase. He said he’s “not a huge fan” of the concept.

The idea had supporters who saw it as a creative solution for buyers struggling to save for a down payment. Critics worried it would drain retirement accounts and potentially push home prices even higher.

For now, it’s off the table, but the conversation around helping first-time buyers isn’t going anywhere.

What do you think? Would you or your clients have used your 401(k) for a down payment if you could?