Housing

in committee · United States · House Jul 21, 2025

HR 4568: Supporting Upgraded Property Projects and Lending for Yards (SUPPLY) Act

The SUPPLY Act establishes a federal program to insure second loans (additional financing) for building accessory dwelling units (ADUs) on single-family properties. This insurance, administered by the Department of Housing and Urban Development, covers up to 30% of a standard one-unit home loan amount or 100% of the property value after construction (with potential increases based on 50% of projected rental income). Homeowners seeking to add ADUs - such as backyard cottages, converted basements, or detached units - can use this insurance to secure financing, with a government premium of up to 1% annually. The bill also requires Fannie Mae and Freddie Mac to purchase and securitize these insured loans, potentially expanding access to ADU financing.

Topics ✓ HousingSupports HousingBill creates federal loan insurance for ADU construction, increasing housing supply through accessory units - directly advances affordable housing development.95% confidence

Sub-Topics Homeownership Mortgages Zoning

Track

in committee · United States · House Apr 10, 2025

HR 2854: Neighborhood Homes Investment Act

The Neighborhood Homes Investment Act creates a new tax credit for developers who build or rehabilitate affordable homes in distressed communities. The credit is calculated as the lesser of (1) the difference between development costs and sale price, (2) 40% of development costs, or (3) 32% of the national median home price. It applies only to homes sold to qualified homeowners with income up to 140% of area median income in designated "qualified census tracts" (areas with high poverty rates, low median home values, and low median family income). Developers must meet quality standards and repay the credit if the home is sold within 5 years of the affordable sale. This credit aims to address the "value gap" that prevents housing development in distressed communities by incentivizing affordable home construction and rehabilitation.

Topics ✓ Budget & TaxesSupports Budget & TaxesCreates tax credit for affordable housing developers targeting low-income buyers (≤140% AMI), providing tax relief for lower-income housing initiatives under fiscal policy.95% confidence ✓ HousingSupports HousingCreates tax credit for affordable housing development in distressed areas targeting low-income buyers (≤140% AMI), directly advancing affordable housing access.95% confidence

Sub-Topics Tax Credits Tax Incentives Affordable Housing Community Development Homeownership

Track

in committee · United States · Senate Feb 6, 2025

S 479: New Markets Tax Credit Extension Act of 2025

This bill permanently extends the New Markets Tax Credit (NMTC) program, which incentivizes private investment in low-income communities. It modifies the tax code to keep the credit available beyond 2025 (replacing "2020 through 2025" with "2020 and each calendar year thereafter") and adds automatic annual inflation adjustments to the credit amount starting in 2026. The bill also provides tax relief by allowing NMTC credits to offset the alternative minimum tax, specifically for investments made after December 2024. This directly affects community development financial institutions (CDFIs) and investors who fund projects in designated low-income areas.

Topics ✓ Budget & TaxesSupports Budget & TaxesExtends NMTC tax credit for low-income community investments, provides tax relief via AMT offset, aligning with tax incentive policies for community development.95% confidence ✓ HousingSupports HousingExtends NMTC program to incentivize private investment in low-income communities, directly supporting affordable housing development through tax credits.95% confidence

Sub-Topics Tax Credits Tax Incentives Community Development Housing Finance Property Development

Track

in committee · United States · House Sep 30, 2025

HR 5618: Housing PLUS Act of 2025

This bill changes how federal homeless assistance funds are distributed. It prevents the government from blocking grants to programs that require supportive services (like job training or addiction treatment) for residents, or that set occupancy conditions (such as sobriety requirements), and protects faith-based organizations from exclusion. At least 50% of funds must go to grantees offering wraparound services, and the government must report annually to Congress on compliance. It directly affects homeless assistance providers receiving McKinney-Vento funds. The bill focuses on funding rules, not new services or outcomes.

Topics ✓ Criminal JusticeSupports Criminal JusticeBill strengthens homeless assistance by requiring wraparound services and protecting faith-based organizations, which can reduce recidivism and improve rehabilitation outcomes for justice-involved individuals.75% confidence ✓ HealthcareSupports HealthcareMandates 50% of homeless funds for wraparound services including addiction treatment and mental health support, directly advancing healthcare access through housing programs.90% confidence ✓ HousingSupports HousingMandates 50% of homeless funds for wraparound services, prevents blocking of supportive housing grants, and addresses homelessness through funding expansion.95% confidence

Sub-Topics Substance Abuse Homelessness

Track

in committee · United States · House Jun 23, 2025

HR 4069: Downpayment Toward Equity Act of 2025

The Downpayment Toward Equity Act of 2025 creates a federal program to provide financial assistance to first-generation homebuyers for down payments, closing costs, and other home purchase expenses. It authorizes $100 billion in funding to be distributed through states and eligible entities, with grants that can cover up to $20,000 or 10% of a home's purchase price (whichever is greater). To qualify, homebuyers must meet income limits (up to 120-140% of median area income), be first-time homebuyers with no prior home ownership by their parents, and complete homebuyer counseling. The program requires recipients to occupy homes as primary residences for at least five years, with repayment required if they sell sooner, and states must report on program demographics to ensure equitable outcomes.

Topics ✓ HousingSupports HousingProvides $100B for first-time homebuyers' down payments/closing costs, directly advancing affordable housing access for low-to-moderate income households.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

Track

in committee · United States · House Oct 10, 2025

HR 5728: Rural Homeownership Continuity Act of 2025

This bill modifies the USDA's 502 housing loan program to make it easier for rural homeowners to transfer properties with existing loans. It allows qualified buyers to assume a guaranteed loan when purchasing a property, releasing the original borrower from liability and transferring the loan's obligations to the new owner. The changes apply to loans guaranteed under the program after the bill's enactment, directly affecting rural homeowners and buyers in USDA loan programs. The bill also permits servicers to charge fees for transaction costs related to these loan assumptions.

Topics ✓ HousingSupports HousingFacilitates property loan transfers, supporting property rights in rural homeownership.85% confidence

Sub-Topics Homeownership

Track

in committee · United States · House Jan 14, 2026

HR 7051: American Dream Act

HR 7051, the American Dream Act, allows individuals aged 65 or older to exclude taxable gains from selling their home to a first-time homebuyer under specific conditions. The bill applies when the home sells for $500,000 or less, the buyer is a first-time homebuyer purchasing it as their primary residence, and the buyer provides a sworn statement confirming these details. The exclusion is only available for sales occurring after December 31, 2026, and expires after December 31, 2031. This policy directly affects seniors aged 65+ selling their primary residence and first-time homebuyers purchasing it as their main home.

Topics ✓ HousingSupports HousingTax exclusion for sellers enables lower-priced home sales to first-time buyers, reducing purchase costs and promoting affordable housing access under specific affordability conditions.95% confidence

Sub-Topics Homeownership Tags Seniors

Track

in committee · United States · Senate Feb 11, 2026

S 1453: University of Utah Research Park Act

University of Utah Research Park Act This bill confirms the use by the University of Utah of approximately 593 acres of specified nonfederal land in Salt Lake City, Utah, as a university research park and for related university purposes (including development of student housing and a transit hub) as a valid public purpose.

Topics ✓ HousingSupports HousingBill explicitly authorizes student housing development as part of university research park, advancing housing development.80% confidence ✓ TransportationSupports TransportationBill explicitly authorizes development of a transit hub at University of Utah Research Park, directly advancing public transit infrastructure as a core component of the project.95% confidence

Sub-Topics Property Development

Track

in committee · United States · House Mar 4, 2026

HR 7792: Property Improvement and Manufactured Housing Loan Modernization Act of 2026

This bill increases FHA loan limits for manufactured home purchases, home improvements, and accessory dwelling units under the National Housing Act. It raises the maximum loan amount for single-section manufactured home purchases to $106,405 and multi-section homes to $195,322, while setting a $75,000 cap for home improvements. The bill also requires annual adjustments to these limits based on HUD's methodology and mandates a HUD study comparing off-site construction (including manufactured/modular homes) to site-built housing on cost, quality, maintenance, and applications like accessory dwelling units. It directly affects borrowers seeking FHA financing for these housing types.

Topics ✓ HousingSupports HousingIncreases FHA loan limits for manufactured homes and home improvements, expanding affordable housing access through higher financing caps for low-cost housing options.95% confidence

Sub-Topics Homeownership Mortgages

Track

in committee · United States · House Jan 3, 2025

HR 166: Fair Lending for All Act

The Fair Lending for All Act establishes a new Office of Fair Lending Testing within the Consumer Financial Protection Bureau to proactively test creditors for compliance with the Equal Credit Opportunity Act (ECOA). It expands ECOA protections to explicitly prohibit discrimination based on ZIP code, census tract, public assistance income, sexual orientation, gender identity, and marital status, while replacing "applicant" with "person" throughout the law. The bill adds criminal penalties for violations, including fines up to $50,000 or 1 year in prison for individuals and up to $100,000 per violation for patterns of discrimination, with personal liability for executives. It also requires the Bureau to review loan application processes for ECOA compliance and updates mortgage data collection to include protected characteristics like sexual orientation and gender identity. This directly affects creditors (banks, lenders) and consumers seeking credit.

Topics ✓ HousingSupports HousingProhibits lending discrimination based on ZIP code, census tract, and public assistance income - directly preventing housing discrimination under ECOA, a key tenant protection and access measure.95% confidence

Sub-Topics Mortgages

Track