Buying a house is a huge decision and one that should not be entered into lightly. Unfortunately, thousands of people have done just that and we have foreclosures everywhere. The government wants to give everyone 10% or $8k (whichever is less) vouchers for buying a house to simulate sales. They are even considering letting people use that $8k as a down payment. Will this not cause a second wave of foreclosures? The program is only for those who are buying their primary residence. If they need $8k from the government as a down payment to buy the home, they should not be buying at all.