Mental Health Infrastructure Improvement Act of 2025

This bill provides federal loans and loan guarantees to help build, renovate, or upgrade mental health and substance use disorder treatment facilities for both children and adults. It prioritizes projects in underserved rural areas, communities with insufficient treatment beds, and facilities serving pediatric patients (with at least 25% of funds reserved for pediatric facilities). Borrowers must cover 25% of project costs, and loans have terms up to 20 years, with strict limits on government guarantee coverage (max 80%). The program allocates up to $200 million annually from 2026 to 2030, with excess loan revenue funding community mental health services via a new trust fund.