BiggerPockets Daily The Government Shutdown Drags On, Now Impacting Key Real Estate Services
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Oct 22, 2025 The ongoing federal shutdown is causing significant disruptions in the housing market. FHA, VA, and USDA loans are stalled, impacting real estate transactions. Rental applications and mortgage closings are delayed, raising concerns for mom-and-pop landlords facing cashflow issues. The shutdown also threatens commercial properties housing federal workers and pauses tax credit approvals for affordable housing. As consumer spending dips, investors are urged to stay informed and prepare for potential distressed sales.
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Federal Programs Pause Blocks Deals
- The shutdown has paused FHA, VA, and USDA loan funding and the National Flood Insurance Program.
- These pauses directly block many home purchases and mortgages in flood-prone states like Florida, Hawaii, and Delaware.
Tax Credit Reviews Are On Hold
- Tax credit reviews for low-income housing and opportunity zones are paused, jeopardizing multifamily deals.
- Delays in these approvals can stall construction and financing for affordable housing projects.
Local Slowdowns Have National Impact
- Real estate is a major part of state and national economies, so local slowdowns ripple nationally.
- Even small dips in buyer activity in big markets like Florida can skew national sales and inventory data.