This change affects almost no one. If being used towards the down payment then one is going to have to convert regardless ; no escrow company accepts crypto for settlement. I suppose if the lender is requiring reserves then you dont need to convert but thats very edge case-y. The main change already happened which was years ago which is counting crypto that was held in coinbase or some custodian as eligible source of assets at all ( assuming the custodian publishes monthly statements that meet guideline requirements).

Wake me up when self-custodied bitcoin can be signed for to confirm ownership, then used for settlement on property purchases.