Biden proposed Thursday several actions to improve housing affordability and increase the number of homes to buy or rent. He announced a pair of new tax credits, which would require congressional action before they go into effect. The first is a $10,000 refundable credit for middle-class homebuyers - essentially an interest rate buy-down. The administration estimates this program would help more than 3.5 million buyers close a deal on their first home over the next two years. For homeowners, there is a $10,000 tax credit aimed at getting people to put their starter homes on the market. This would be a one-year tax credit to middle-class families who sell a home priced below the area's median home price to someone who will live in the home. It is estimated to serve about 3 million sellers