(I won't comment on the rest of the rant, but I will say this: US inflation rate was not "nine percent", when Genocide Joe "came into office". The US inflation rate a/o 1 Feb 2021 was 2.18%)

This dude understands (@ 7:14) that the first perquisite of tax credit benefit is reporting taxable income ≥ tax credit amount to state comptrollers and the IRS.

(I won't comment on the rest of the rant, but I will say this: A tax credit is not practicable, given the most recent ACS estimated $74,755 median HH income. This tax payer $25K min expense, to be recouped at TYE in the form of foregone, equivalent personal tax, amounts to 33% median gross income, far greater than min effective tax rate for the brackets ≤ median. This tax benefit does not reduce to home prices or mortgage rates. It does nothing to enhance "middle-class" disposable income or savings. For example, standard deductions per "middle-class" HH per person increased handsomely across income tax brackets adjusted during Cheeto's regime, 2017 but have not been adjusted for real dollar depreciation during the Biden ERA. (Perhaps Harris-Walz proposed tax on unrealized capital gains could obviate fed tax for more under-performing "middle-class" HHs or "offset" forgone tax revenue and NDAA budget gains. idunno.) Moreover, W2 employees customarily abuse W2 withholding allowances by "estimating" future credits and deductions (such as mortgage interest) in order to maximize wage or salary pay, ie. current disposable income including savings. Ideally, at TYE this "estimating" does not adversely affect the payer's AGI tax obligation, ie. increase tax owed or eliminate anticipated refund. On the other hand, given fluid opportunity economy conditions, Harris meant to propose refundable tax credits FTW of everyday items and mortgagee rebates)