The following are 39 duplicative spending programs for Housing Assistance (Assistance for Buying, Selling, or Financing a Home) across 4 agencies:

Agency	Details	Cost
Department of Housing and Urban Development	Self-Help Homeownership Opportunity Program	$26,500,000
Department of Housing and Urban Development	One- to Four-Family Home Mortgage Insurance (Section 203(b))	($2,546,000,000)
Department of Housing and Urban Development	Mortgage Insurance for Disaster Victims (Section 203(h))
Department of Housing and Urban Development	Rehabilitation Loan Insurance (Section 203(k))
Department of Housing and Urban Development	Single Family Property Disposition Program (Section 204(g))
Department of Housing and Urban Development	Self-Help Housing Property Disposition
Department of Housing and Urban Development	Loss Mitigation
Department of Housing and Urban Development	Graduated Payment Mortgage (Section 245(a))
Department of Housing and Urban Development	Adjustable Rate Mortgages (Section 251)
Department of Housing and Urban Development	Home Equity Conversion Mortgage Program (Section 255)	($106,000,000)
Department of Housing and Urban Development	Manufactured Homes Loan Insurance (Title I)	($1,000,000)
Department of Housing and Urban Development	Property Improvement Loan Insurance (Title I)
Department of Housing and Urban Development	Good Neighbor Next Door
Department of Housing and Urban Development	Energy Efficient Mortgage Insurance
Department of Housing and Urban Development	Energy Efficient Mortgage Innovation Pilot
Department of Housing and Urban Development	Insured Mortgages on Hawaiian Home Lands (Section 247)
Department of Housing and Urban Development	Insured Mortgages on Indian Land (Section 248)
Department of Housing and Urban Development	Mortgage Insurance for Condominium Units (Section 234(c))
Department of Housing and Urban Development	Mortgage Insurance for Older, Declining Areas (Section 223(e))
Department of Housing and Urban Development	Growing Equity Mortgage Insurance (Section 245(a))
Department of Housing and Urban Development	Mortgage Insurance for Cooperative Housing (Section 213)
Department of Housing and Urban Development	Single Family Cooperative Housing Mortgage Insurance
Department of Housing and Urban Development	Homeownership Voucher Assistance
Department of Housing and Urban Development	Public Housing Homeownership (Section 32)
Department of Housing and Urban Development	Loan Guarantees for Indian Housing (Section 184)	$4,000,000
Department of Housing and Urban Development	Loan Guarantees for Native Hawaiian Housing (Section 184A)	$1,000,000
Department of Agriculture	Section 523 Self-Help Housing
Department of Agriculture	Section 524 Site Development
Department of Agriculture	Section 523 Mutual and SelfHelp Housing Technical Assistance Grants	$43,000,000
Department of Agriculture	Section 502 Rural Housing Single Family Loans-Direct	$78,000,000
Department of Agriculture	Section 502 Rural Housing Single Family Loans-Guaranteed	$204,000,000
Department of Agriculture	Section 509(f) Housing Application Packaging Grants
Department of Agriculture	Section 502 Mutual Self-Help
Department of Veterans Affairs	Veterans Administration Home Loan Guaranty	($107,000,000)
Department of Veterans Affairs	Veterans Housing Manufactured Home Loans
Department of Veterans Affairs	Native American Veterans Direct Loan Program	($5,000,000)
Internal Revenue Service	Capital gains exclusion on home sales	$22,160,000,000
Internal Revenue Service	Deduction for mortgage insurance premiums	$300,000,000
Internal Revenue Service	District of Columbia first-time homebuyer tax credit

Source: Table 10, Appendix III, "Opportunities to Reduce Duplication, Overlap and Fragmentation, Achieve Savings, and Enhance Revenue," Government Accountability Office, 2/28/2012