Property Improvement and Manufactured Housing Loan Modernization Act of 2025

This bill modernizes loan limits for manufactured and modular homes under the National Housing Act. It significantly increases funding caps - raising single-family improvement loans to $150,000 (from $75,000), single-section manufactured home purchases to $195,322 (from $106,405), and multi-section home+lot financing to $238,699 (from $149,782). The bill also adds new provisions for accessory dwelling unit construction loans and requires annual indexing of loan limits based on HUD’s data. Additionally, it mandates a HUD study on factory-built housing cost efficiency, including manufacturing savings, maintenance costs, and potential uses beyond single-family homes.