Over 65% of American households own homes and it has trended up since 2008 dipped during Covid and resumed its upward trend. It tends to fluctuate between 63% and 69% since 1969. So the answer to your question is a lot of households come up with the money, but statistics suggest that it now takes 4 more years than in the past due to Warren insisted on greater downpayments to keep the banking system more stable. Just the facts, no hyperbole.

https://dqydj.com/historical-homeownership-rate-united-states/