Most Americans came here after slavery ended, so no they’re not. If you can trace the “proceeds” of slavery anywhere, it’s not the pocket of some Polish guy whose parents got here in 1920, or some German American from the Midwest or some Appalachian. It’s to places like Harvard and the banks, insurance companies, etc., that Harvard graduates end up working at.
The Chicago suburb that I live in right now was debating a quota system to prevent Black families from moving here within my own lifetime, and was until the late 1990s spending tax dollars to subsidize apartments being held vacant for white families. The harm these programs attempt to correct wasn't in the distant past.
I can answer this, but first I want to understand better why it matters. It's deliberate, de jure harm inflicted on Black families regardless of the purported and actual benefits to white homeowners.
Because the original statement was that white people are gaining advantage because of the sins of our fathers. Most of us remember our lives and know this is not true, unless you think growing up poor with parents that couldn’t even afford school for their kids is an advantage.