Housing in United States

in committee · United States · House Aug 6, 2026

HR 10053: Public Service Homeownership Assistance Act

The Public Service Homeownership Assistance Act would authorize the Department of Housing and Urban Development to provide downpayment assistance loans to federal, state, tribal, and local government employees starting in 2027. These loans, which range from $10,000 to $20,000, are strictly limited to covering downpayments or closing costs for the purchase of a residential property with one to four units. Recipients must occupy the home within 60 days and continue to live there at least half the year to maintain eligibility. Repayment of the loan is not required immediately but begins upon the sale of the home, a cash-out refinance, or if the employee stops occupying the property for more than six months in a given year.

Topics ✓ Housing

Sub-Topics Affordable Housing Homeownership Housing Finance

in committee · United States · House Aug 10, 2026

HR 10075: First-Time Homebuyer Affordability Act

The First-Time Homebuyer Affordability Act amends the Internal Revenue Code to exempt qualified mortgage bonds from the federal government's annual volume cap on tax-exempt securities. By removing this limit, the bill allows for a greater issuance of these specific bonds, which are typically used to finance home loans for first-time buyers. This change directly affects financial markets and lenders by enabling them to issue more tax-advantaged debt without being constrained by existing statutory limits. The provision applies to all obligations issued after the date of the Act's enactment.

Topics ✓ Housing

Sub-Topics Affordable Housing Homeownership Housing Finance

in committee · United States · Senate Aug 6, 2026

S 5285: Visitable Inclusive Tax credits for Accessible Living (VITAL) Act

The VITAL Act increases federal low-income housing tax credit allocations to states starting in 2026, with amounts adjusted annually for inflation to expand the supply of affordable and disability-accessible housing. The bill provides a 50% boost to the tax credit value for new buildings where at least half of the units are designed to meet accessibility standards for people with disabilities and are located in areas with high walkability. To ensure these accessible units are actually built, the legislation requires states to allocate credits so that at least 40% of all new low-income housing units created over any three-year period meet these specific disability access criteria.

Topics ✓ Housing

Sub-Topics Affordable Housing Historic Preservation Housing Finance Tags People with Disabilities

in committee · United States · Senate Aug 3, 2026

S 5216: Senior Accessible Housing Tax Credit Act of 2026

The Senior Accessible Housing Tax Credit Act of 2026 creates a new tax credit for individuals aged 60 or older to help cover the costs of home modifications that improve accessibility. This credit allows eligible taxpayers to claim up to $10,000 for expenses related to installing features such as wheelchair ramps, widened doorways, grab bars, and other safety improvements. The benefit is subject to income limits, where the credit amount decreases as a taxpayer's modified adjusted gross income exceeds specific thresholds ranging from $100,000 to $200,000 depending on filing status. The law also prevents taxpayers from receiving other tax benefits for the same expenses and requires the credit amount to be adjusted for inflation starting in 2028.

Topics ✓ Budget & Taxes ✓ Housing

Sub-Topics Tax Credits Affordable Housing Tags Seniors

in committee · United States · House Jul 30, 2026

HR 9994: Family Poverty is Not Child Neglect Act

The Family Poverty is Not Child Neglect Act requires states to ensure that children are not separated from their parents solely because of poverty. It mandates that states develop or improve services, such as housing and unemployment assistance, to help low-income families stay together safely. Additionally, the bill directs the Department of Health and Human Services to submit a report within two years detailing how poverty influences child welfare investigations, removals, and foster care placements. This legislation aims to prevent the separation of families due to financial hardship and to gather data on the link between poverty and child neglect cases.

Topics ✓ Housing

Tags Children

in committee · United States · House Aug 3, 2026

HR 10028: MOVE Act

The MOVE Act directs the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation to start buying and bundling specific conventional mortgages within 180 days of the law's enactment. These mortgages must allow homeowners to transfer their loan's interest rate, terms, and balance to a new property within 90 days of selling their current home. By purchasing these loans, the bill aims to create a market for portable mortgages that facilitate easier home sales by preventing rate locks from hindering transactions. The legislation defines eligible loans based on existing standards set by the two government-sponsored enterprises.

Topics ✓ Housing

Sub-Topics Homeownership Mortgages

in committee · United States · Senate Jul 23, 2026

S 5106: Wildfire Insurance Affordability Act

The Wildfire Insurance Affordability Act establishes two main programs to help homeowners in high-risk areas reduce fire danger and lower insurance costs. First, it creates a grant program for states and local agencies to fund home hardening projects, such as upgrading roofs and installing fire-resistant materials, with funding distributed based on population, fire risk, and the needs of low-income or rural communities. Second, it launches a five-year pilot program that provides vouchers to low-income households in high-risk zones to help pay their wildfire insurance premiums, but only after they have completed specific safety improvements. The bill also ensures that money received from these new programs is not counted as taxable income for individuals.

Topics ✓ Budget & Taxes ✓ Environment ✓ Housing

Sub-Topics Forestry

in committee · United States · Senate Jul 23, 2026

S 5125: Eleanor Smith Inclusive Home Design Act of 2026

The Eleanor Smith Inclusive Home Design Act of 2026 mandates that new single-family homes, townhouses, and small multi-unit buildings receiving federal assistance must include at least one level designed to be accessible for individuals with disabilities. To enforce this, builders must submit construction plans for approval to state or local agencies, which can withhold final occupancy permits if the designs do not meet specific accessibility standards. The law also establishes a legal framework allowing private citizens to sue developers for non-compliance, with potential remedies including damages and court orders to retrofit the property.

Topics ✓ Healthcare ✓ Housing

Sub-Topics Building Codes Tags People with Disabilities

in committee · United States · House Aug 6, 2026

HR 10049: Visitable Inclusive Tax credits for Accessible Living (VITAL) Act

The VITAL Act aims to increase the supply of affordable housing that is accessible to people with disabilities and older adults by modifying federal tax credit rules. It achieves this by raising the amount of funding states can receive for low-income housing projects and requiring that at least 40 percent of these funds support buildings specifically designed for individuals with disabilities. Additionally, the bill offers a financial bonus for projects located in walkable neighborhoods and mandates that these accessible units meet specific design standards, such as wider doorways and lowered counters. These changes are intended to help residents remain independent in their communities rather than moving to institutional care settings.

Topics ✓ Budget & Taxes ✓ Housing

Sub-Topics Tax Credits Affordable Housing Historic Preservation Housing Finance Tags People with Disabilities

in committee · United States · House Aug 3, 2026

HR 10022: CLUSTER Act

The CLUSTER Act amends federal disaster relief laws to officially include "community hardening" as a recognized type of hazard mitigation. This change allows funding for coordinated safety upgrades across multiple private homes in a specific area, rather than treating each property individually. The bill directly affects homeowners and local governments seeking federal assistance to strengthen residential structures against threats like earthquakes or storms. By adding this category to the existing Stafford Act, the legislation expands the scope of eligible projects for disaster preparedness.

Topics ✓ Housing

All housing bills