Dem
51
GOP
49
In a majority of competitive House districts, Democratic challengers have raised more money than Republican incumbents. In some districts, a lot more. In 17 of the 29 Republican-held House districts that at least one of the parties sees as a battleground, the Democrat is doing better at fundraising. On the average, the Democratic challengers have raised $1.2 million to the Republican incumbents' $965,000. Money isn't everything, but it is unusual for people with the advantage of incumbency to do worse than challengers.
Up until the moment the top of the ticket switched, Democrats were despondent about winning the House and Senate. They were afraid that House and Senate candidates grabbing onto Joe Biden's coattails would be dragged down with him. Now with a new candidate on top and more money than the incumbents, it will be possible for challengers to flip a number of red seats to blue, especially in New York and California. Harris could note this and decide that campaigning in New York and California—in carefully selected House districts—was worth it this time. She could also combine trips to those states to campaign in House races with fundraising there.
There are 17 districts that Joe Biden won in 2020 that are represented by Republicans. These are among the top Democratic targets. In three of these, the Democrat raised twice as much as the Republican. These are as follows:
| District | Incumbent | Challenger | 2020 Result | PVI |
| CA-13 | John Duarte (R) | Adam Gray (D) | Biden+11 | D+4 |
| CA-22 | David Valadao (R) | Rudy Salas (D) | Biden+13 | D+5 |
| NY-19 | Marc Molinaro (R) | Josh Riley (D) | Biden+4 | EVEN |
On paper, the Democrats are in a very strong position to flip all three of them, given the PVI, 2020 results, and the money.
In the reverse situation—Republicans challenging incumbent Democrats—the challengers are not outraising the incumbents. In 34 swing districts, only one incumbent, Vicente Gonzalez (D-TX), was outraised by the challenger. In races where the candidates are already known, the average incumbent Democrat had $2.5 million on June 30, compared to the average challenger's $500,000. Nationwide, however, the average Republican incumbent has more than the challenger. (V)