Which federal agency is responsible for housing programs in the United States?

The Department of Housing and Urban Development (HUD) is the federal agency responsible for housing programs in the United States. Established in 1965, HUD's primary mission is to create strong, sustainable, inclusive communities and quality affordable housing for all. This agency implements various programs aimed at improving housing conditions, reducing homelessness, and providing assistance to those in need.

HUD plays a crucial role in enforcing fair housing laws, providing subsidies for low-income families, promoting homeownership, and ensuring that housing resources are equitably distributed. The agency also administers federal programs that are pivotal in addressing community development and housing-related issues across the country.

In contrast, the Federal Housing Finance Agency (FHFA) oversees government-sponsored enterprises like Fannie Mae and Freddie Mac, focusing primarily on housing finance and secondary mortgage markets. The Department of Commerce has a broader economic focus and does not directly manage housing programs. Lastly, the National Association of Realtors is a professional organization representing real estate professionals, but it does not administer housing programs at the federal level. Thus, the role and responsibilities of HUD make it the correct answer in the context of federal housing program oversight.