tokens: It would like to peg the ceiling on Federal Housing Administration mortgage guarantees to 95 % of the median price in a particular market , instead of limiting it to $ 101,250 ; reduce -LRB- or even eliminate -RRB- FHA down - payment requirements and increase the availability of variable - rate mortgages ; expand the Veterans Affairs Department loan guarantee program ; provide `` adequate '' funding for the Farmers Home Administration -LRB- FmHA -RRB- ; increase federal funding and tax incentives for the construction of low - income and rental housing , including $ 4 billion in block grants to states and localities ; and `` fully fund '' the McKinney Act , a $ 656 million potpourri for the homeless .