BIDEN'S CLAIM: “(If) my home was in a white neighborhood on one side of the highway and yours is in a Black neighborhood, same exact home, your home will start off being valued 29% less than my home, yet your insurance for that home will be higher. You'll be taxed more for it. We’ve got to end this.”

FACT CHECK: Biden’s statement is generally accurate.

After the town hall concluded, Biden’s campaign told ABC News he had been referring to a 2018 study by the Brookings Institution that found “homes of similar quality in neighborhoods with similar amenities are worth 23 percent less ($48,000 per home on average, amounting to $156 billion in cumulative losses) in majority black neighborhoods, compared to those with very few or no black residents.”

His campaign said Biden misspoke and meant to say 23%.

The 1968 Fair Housing Act is supposed to prevent discrimination that leads to those disparities. But civil rights groups and anti-poverty advocates have long argued that even with the law, cities and states can perpetuate housing segregation through zoning laws, insurance and lending policies, as well as tax credits that often favor wealthier white families over others.

Under Trump, Housing Secretary Ben Carson finalized a rule in August 2019 making it harder for people to allege discrimination – a proposal advocated by insurance companies and others in the housing industry that said regulations weren’t clear enough.

-ABC News' Anne Flaherty

BIDEN'S CLAIM: Biden said he had not seen a distribution plan for Regeneron’s monoclonal antibody treatment for COVID-19. "What's happening is there is no plan to figure out how to distribute it," he said. "How many -- you know, we have 500,000, you know, vials of it. Well, we don't have all the testing equipment. We don't have all the ability to get it to the people who need it.”

FACT CHECK: Biden is correct to suggest that Trump has overstated the promise of Regeneron's monoclonal antibody treatment for COVID-19.

However, there is a federal plan for distribution of the treatment touted by Trump.

The U.S. Department of Health and Human Services has said the government is stockpiling doses of antibody treatments for Americans and that it plans to distribute those doses to state governments and hospitals similar to how it delivered the drug remdesivir, another therapeutic that has been administered to people with COVID-19.

Since Oct. 1, hospitals have been able to purchase remdesivir, also known as Veklury, directly from the drug’s distributor. Over the past five months, the U.S. government had overseen the allocation and distribution of the drug in its limited supply.

HHS Secretary Alex Azar has said his agency does not anticipate a problem with delivering the doses so long as the drug receives authorization from regulators.

-ABC News' Arielle Mitropoulos, Sony Salzman and Anne Flaherty

After Stephanopoulos ended the 90-minute town hall, Biden put on a mask and took questions from voters who remained in the hall.

"This is what Joe Biden loves," ABC News Chief Global Affairs Correspondent Martha Raddatz said following the town hall. "We'll all probably be in bed before he's out of that hall."

Democratic voter Keenan Wilson started his question by referencing that the former vice president said he entered the race following the "Unite the Right" rally in Charlottesville, Virginia. He asked Biden how he would steer Trump and his supporters "towards the ideals of a more perfect union."

Biden said he doesn't think Trump would stop his rhetoric and added that the president was emboldened by his impeachment.

The vice president said he would lead by the example set by his father and treat everyone with dignity.

"Whether I'm a defeated candidate for president, back teaching or I'm elected president, it is a major element of everything that I'm about," he said.

Biden said he feels most Americans want to be inclusive and provide opportunities to all regardless of race or background.

"If I'm elected president, you will not hear me race baiting, you will not hear me dividing, you will hear me trying to unify," he said.

Stephanopoulos asked Biden, if he lost, what that would say about the country.

"Well, it could say that I'm a lousy candidate and I didn't do a good job, but I think -- I hope that it doesn't say that we are as racially, ethically and religiously at odds with one other as it appears the president wants us to be," he said.

The vice president, however, said he is committed to making sure that if elected he would be a voice for all Americans.

"I think the people are ready, they understand what's at stake," he said. "I'm going to take care of those who voted against me as well as those who voted for me. For real. That's what presidents do. We've got to heal this nation."

Biden and Trump will both face voters -- albeit not in the way envisioned by the debate commission or really any actual voters.

But however the collective audience sorts through an unusual evening, with Biden at an 8 p.m. ET ABC News forum in Philadelphia, and Trump at a competing event in Miami on NBC, voters are voting -- lots of them.

Records for this far out from Election Day are being set virtually by the hour and in virtually every state. Nationwide, more than 16 million ballots have already been cast, nearly five times the number logged at a similar point in 2016, according to records compiled by the most prominent authority on early voting, Michael McDonald of the University of Florida.

In Georgia, more than 537,000 mail ballots have already been accepted and returned, compared to some 200,000 in all of 2016. The start of in-person voting there brought hours-long lines this week; there have been similar scenes in Texas, where more than half a million voters showed up on the first day available to vote.

Nine states are already above 20% of their total 2016 turnout -- Election Day votes included -- with nearly three weeks left to vote. In-person voting starts in another key battleground -- North Carolina -- on Thursday.

It's too soon to extrapolate particular outcomes out of the interest in voters casting ballots early. Polls indicate a huge pre-Election-Day edge for Biden, and a sizeable Trump advantage among those who plan to vote on Nov. 3 itself.

Regardless, for all the noise around election integrity and distaste for politics generally, votes are pouring in. Biden and Trump are engaging with voters who have not only mostly made up their minds, but are acting on it every minute of the next 19 days.

-ABC News Political Director Rick Klein