A major housing bill is about to become law even though Trump won't sign it, a fight that's bad for his image but likely good news for homebuyers.

• The biggest bipartisan housing bill in decades passed Congress with big majorities, so it becomes law by Friday with or without Trump's signature.
• Trump refuses to sign it as leverage, demanding Congress first pass his Save America Act to change voting laws ahead of the midterms.
• He canceled the signing ceremony at the last minute — flags and desk already set up, guests on their way — drawing anger from both parties.
• The bill caps how many homes big investors can buy (corporate landlords with 350+ houses can't buy more) to help regular buyers who keep getting outbid by all-cash offers.
• It also speeds up building by cutting some approvals and creating pre-approved home designs, though experts say Wall Street is only a small part of the housing shortage.

Outlook: The bill takes effect within hours regardless, while Trump shifts focus to firing members of the bipartisan elections commission.