Whole-Home Repairs Act of 2025

The Whole-Home Repairs Act of 2025 establishes a federal pilot program to fund repairs that improve accessibility, safety, and energy efficiency in homes owned by low-income individuals or rented as affordable housing. It directly affects eligible homeowners (with income at or below 80% of area median income who occupy their primary residence) and eligible landlords (small-scale owners of affordable rental properties with specific income and ownership criteria). The program provides grants to homeowners and forgivable loans to landlords for repairs covering accessibility modifications, habitability fixes, and energy efficiency upgrades, with landlords required to maintain affordability for three years and cap rent increases. Administered by local or state entities using up to $25 million in existing HUD funds, the pilot runs until 2030 and mandates coordination with other housing programs to avoid duplication.