So how long does it take for the belly fat to go down. I'm 38 lb down but the belly is still here. I'm going into 3 months on December 28th 2022.

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Everyone is different. A lot of where you both gain first and where you lose last is genetic.

And adding to @SpartanMaker’s post, the area you carried more weight will be the slowest place to lose. Be it abdominal weight or the weight in your butt & thighs it’s where ever you have the most fat to lose. Take some body measurements - sometimes the number on the tape measure will reveal more of what you’ve lost than looking in the mirror or the fit of clothing.

Belly fat is soooo stubborn. I did not feel a significant change in my belly till I hit the 180 pound range.