Apple is joining Facebook, Google and Microsoft in acknowledging that tech companies are contributing to housing problems. It's pledging a total of $2.5 billion toward more available (and importantly, more accessible) housing in California. Most of this will go directly toward lowering costs. It's launching a $1 billion affordable housing investment fund, and another $1 billion fund for first-time homebuyer mortgage assistance. The company is also committing $300 million to make some of its San Jose land available for affordable housing, creating a $150 million fund for San Francisco Bay Area housing and donating $50 million to Destination: Home in order to foster "systemic change" that reduces homelessness across Silicon Valley.