The prediction stated that increased demand from down payment assistance, without a corresponding increase in housing supply, would lead to higher housing prices. Analysis of the housing market from early 2024 to early 2026 indicates that while housing prices have seen modest increases or stagnation in some areas, the overall trend has been influenced by factors like rising mortgage rates and affordability ceilings, with significant regional variations. Down payment assistance programs have remained prevalent to address affordability, but the direct causal link to widespread price increases due to this specific dynamic is not definitively established as the primary driver across the entire market during this period.