After several months, during which housing finance figures were pushed up by state government changes to buyers' subsidies, the market fell back in July.According to the Australian Bureau of Statistics' housing finance figures, which were released yesterday, the value of owner-occupied housing commitments fell by 1.4 per cent in July (in seasonally adjusted terms).Lenders provided A$13.38 billion of owner-occupied housing finance in July 2012, compared with $13.57 the previous month.The number of owner-occupied housing commitments fell by one per cent. Including investment finance, the total value of housing commitments in July fell 1.8 per cent.Strong growth in the three months to June was due to the expiry of the New South Wales and Victorian Governments' programs. The New South Wales Government's full stamp duty exemption for buyers purchasing off the plan or building new homes expired on July 1.The Victorian Government discontinued a bonus scheme for buyers of new homes at the end of June.The proportion of first-home buyers continued to rise - up from 18.5 per cent in June to 19.2 per cent in July.The average loan size fell slightly, from $301,600 in June to $300,500 in July.