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MNN US · January 18, 2026 · 1 min read

Trump plans to allow 401(k) use for home down payments

What happened: Former President Donald Trump is set to introduce a proposal permitting Americans to use retirement savings from 401(k) accounts to help with home down payments. The plan aims to make home buying more accessible.

Why it matters:

  • Could increase homeownership opportunities for those with retirement savings.
  • May affect retirement security by allowing early access to funds.

MNN Take: The proposal intends to ease the upfront cost of buying a home by tapping into retirement accounts, which could help some buyers but also carries risks related to long-term savings.

Sources: BBC US & Canada