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Coast Guard: Opportunities Remain to Improve Access to Housing

Coast Guard personnel who work near vacation destinations or in remote areas experience challenges accessing private sector housing. Implementing our prior recommendations can better position the...

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Native American Issues: Preliminary Observations on Housing and Homelessness

What GAO Found GAO’s preliminary observations indicate that 30 federal programs can provide housing support targeted to Native American communities, including those that are American Indian and Alaska...

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Mortgage Insurance: HUD’s Risk-Sharing Program and Its Role in Financing...

What GAO Found Each year, the Department of Housing and Urban Development’s (HUD) Federal Housing Administration (FHA) insures billions of dollars in mortgages for multifamily properties through a...

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State Department: Standards for Overseas Housing Need Review

What GAO Found The Department of State last updated its standards for overseas housing space in 1991, according to State officials. Those standards may no longer align with State’s goal of providing...

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Federal Home Loan Banks: Role in Providing Liquidity and Actions Related to...

What GAO Found The Federal Home Loan Bank (FHLBank) System is a government-sponsored enterprise that consists of 11 federally chartered FHLBanks that support liquidity in the financial system by making...

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Priority Open Recommendations: Department of Housing and Urban Development

What GAO Found In May 2025, GAO identified nine priority recommendations for the Department of Housing and Urban Development (HUD). Since then, HUD has not implemented these recommendations. In June...

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Rural Housing: Weaknesses in Data Quality and Use Limit HUD’s Ability to...

What GAO Found Service coordinators employed by owners or managers of affordable housing link residents to supportive services, such as health care, meals, and transportation. Comprehensive data on...

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Hurricane Maria: Mortgage Performance in Puerto Rico

Why This Matters In September 2017, Hurricanes Irma and Maria struck Puerto Rico, causing billions of dollars in damage to its housing, infrastructure, and economy. Paths of Hurricanes Irma and Maria...

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Federal Housing Finance Agency: Improvements Needed in Controls over...

What GAO Found During GAO’s audits of the Federal Housing Finance Agency’s (FHFA) fiscal year 2025 financial statements, GAO identified a deficiency in FHFA’s controls over its review of its financial...

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Homeowners Insurance: Premiums Generally Tracked Inflation but Rose More in...

What GAO Found In recent years, while homeowners insurance premiums increased slightly nationwide, premiums grew more rapidly in certain areas of the country. Premiums as a percentage of 2023 median...

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Veteran Homelessness Programs: Opportunities to Improve Data Collection and...

What GAO Found The Departments of Housing and Urban Development (HUD) and Veterans Affairs (VA) jointly operate the HUD-Veterans Affairs Supportive Housing (HUD-VASH) program. Veterans experiencing...

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Flood Risk Mitigation: Reducing Fiscal Exposure and Improving Affordability

What GAO Found The Federal Emergency Management Agency (FEMA) administers three primary programs that mitigate flood risk for properties insured by the National Flood Insurance Program (NFIP). A small...

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Rental Housing: Institutional Investor Ownership of Single-Family Rental Homes

What GAO Found Large institutional investors with access to cash or low-cost financing purchased foreclosed single-family homes in bulk across the country following the 2007–2009 financial crisis,...

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Nonbank Mortgage Companies: Ginnie Mae and FHFA Could Enhance Financial...

What GAO Found Over the past decade, housing finance increasingly relied on nonbank mortgage companies (nondepository institutions specializing in mortgage lending). Nonbanks now originate and service...

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Financial Audit: Federal Housing Finance Agency's FY 2025 Financial Statements

What GAO Found GAO found (1) the Federal Housing Finance Agency's (FHFA) financial statements as of and for the fiscal year ended September 30, 2025, are presented fairly, in all material respects, in...

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Homelessness: Agency Actions Could Improve Data on Shelter Program Use

What GAO Found The Department of Housing and Urban Development (HUD) reports national estimates of the number and characteristics of people using homeless shelters. These estimates are based on data...

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Property Technology for Homebuying: Products Present Benefits and Risks Amid...

What GAO Found Property technology encompasses a wide range of digital tools used in real estate and is used in nearly every phase of the homebuying process. Selected Property Technology Products Used...

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Rental Housing: Use and Federal Oversight of Property Technology

What GAO Found Property technology broadly refers to the use of software, digital platforms, and other digital tools used in the housing market. Property owners and renters use these technologies for...

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Chief Information Officer Open Recommendations: Department of Housing and...

What GAO Found In June 2025, GAO identified 19 open recommendations under the purview of the Department of Housing and Urban Development's (HUD) Chief Information Officer (CIO) from previously issued...

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Priority Open Recommendations: Department of Housing and Urban Development

What GAO Found In June 2024, GAO identified 11 priority recommendations for the Department of Housing and Urban Development (HUD). Since then, HUD implemented two of those recommendations. First, HUD...

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