Ideally you don't want prices to go down, less we get a deflationary spiral, you want more equal distribution AND inflation to be greater than the interest rate, which reduces Debt burden.

First time home buyers can put down 3% for conventional loan, provided it is not a jumbo loan maybe it should be more aggressive to advantage new entrants who haven't had housing debt during this remarkable rate decline (price increase) over last 40 years... I think we should invert the regressive taxes: prop 13, MITD (trump partly fixed) and capital gain exemption, others?