Kamala Harris' $25,000 down payment assistance plan is a band-aid fix for the housing crisis, Zillow's chief economist says. 3 policies that will actually help home affordability.

• Kamala Harris announced a proposal to provide $25,000 in down-payment assistance to homebuyers.
• It's not a great solution to the housing crisis, says Zillow Chief Economist Skylar Olsen.
• She shared 3 policies that'll actually address the issue of home affordability.

As the presidential race heats up, one issue at the forefront of voters' minds is how to afford a house as homeownership becomes increasingly difficult.