evidence: Felicia Wong, chief executive of Roosevelt Forward, a progressive advocacy group, said Harris' proposals would require new spending. "The good news is that we certainly have that money in our country," Wong said. [...] Harris' plan would give unspecified tax incentives to homebuilders for houses geared to first-time buyers and for affordable rental housing. She proposed a $40 billion fund to help local governments finance developments, up from a $20 billion proposal from the Biden White House. Like all spending, these proposals would depend on Congress being willing to fund them. Harris said she would ask Congress to give first-time homeowners up to $25,000 toward their down payments — a plan that her campaign said could help more than 4 million first-time buyers. That is more generous than a plan Biden announced in this year’s State of the Union address that would have given first-time homebuyers a $10,000 tax credit, and help about 400,000 first-generation homebuyers with down-payment assistance.