Issue · Housing

Housing across the country

Every housing bill from all 50 state legislatures and Congress, introduced in the last 12 weeks and automatically classified by Maddy, our AI policy reader.

Total bills

124

last 12 weeks

Active states

jurisdictions with bills

Most active

United States

65 bills

Stance split

109 for 15 against

National trend

Bills introduced per week

12-week window

Jun 29 Sep 14

Showing 11–17 of 17 bills

All housing bills

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 · 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 Aug 4, 2026

S 5227: First-Time Home Buyer Empowerment Act

The First-Time Home Buyer Empowerment Act allows individuals to use funds from long-term 529 college savings plans to purchase a principal residence without incurring federal income taxes. To qualify, the account must have been open for at least 15 years, the distribution must be used within 60 days, and the total amount withdrawn for this purpose cannot exceed $35,000. If the home is sold or no longer used as a primary residence within five years, the beneficiary must repay the tax benefit, though this penalty decreases by 20 percent for each full year the home is kept. The law also adjusts the overall limit on special rollovers to Roth IRAs to account for these new home purchase withdrawals.

Topics ✓ Budget & Taxes ✓ Housing

Sub-Topics Homeownership

introduced · Hawaii · Senate Jul 9, 2026

GM 1316: Informing the Legislature that on July 8, 2026, the Governor signed the following bill into law: HB2270 HD1 SD1 CD1 (ACT 214).

This bill, signed into law as Act 214, amends Hawaii statutes to update the rules for the state's downpayment loan assistance program. It directly affects eligible homebuyers by defining how they can receive financial help for purchasing residential property. The key provisions allow the state corporation to provide loans covering up to 15% of a home's price or $60,000, whichever is less, with interest rates set based on federal requirements and market conditions. To qualify, borrowers must be U.S. citizens or resident aliens, live in Hawaii, complete a homeownership counseling program, and contribute at least 3% of the purchase price themselves. The bill also specifies that these loans must be used strictly for downpayments and closing costs, and the property cannot be sold without the lender's approval.

Topics ✓ Housing

Sub-Topics Homeownership

in committee · United States · House Jul 23, 2026

HR 9895: American Dream Accounts Act of 2026

The American Dream Accounts Act of 2026 creates a new type of tax-advantaged trust designed to help U.S. citizens save for purchasing their first home. This account allows individuals to contribute up to $7,500 annually, or $10,000 if they are over 35, with a lifetime limit of $250,000, and the funds must be managed by a bank or a qualified administrator. Money withdrawn from the account remains tax-free only if used to buy a first home, provided the buyer has not previously claimed this benefit and the home is kept for at least three years. The bill also permits rolling over distributions into other American Dream Accounts or Roth IRAs and imposes taxes on excess contributions or withdrawals used for non-qualified expenses.

Topics ✓ Budget & Taxes ✓ Housing

Sub-Topics Procurement Homeownership

in committee · United States · House Jul 23, 2026

HR 9932: Eleanor Smith Inclusive Home Design Act of 2026

The Eleanor Smith Inclusive Home Design Act of 2026 requires that new homes receiving federal assistance include at least one level designed to be accessible for people with mobility challenges. This rule applies to single-family houses, townhouses, modular homes, and ground-floor units in small buildings, provided they are made available for occupancy after one year from the law's enactment. To comply, builders must submit their architectural and construction plans to state or local officials for approval, ensuring the design meets specific accessibility standards before construction is finalized. The bill also establishes legal penalties for violations, allowing private individuals to sue for damages or court orders, such as requiring retrofits, while protecting existing contracts with buyers who were unaware of any violations.

Topics ✓ Housing

Sub-Topics Affordable Housing Homeownership Tags People with Disabilities

in committee · United States · House Jun 29, 2026

HR 9514: Homeownership Eligibility Reform Act

The Homeownership Eligibility Reform Act restricts access to government-backed and private mortgage insurance for single-family homes to individuals who are U.S. citizens. Specifically, the bill amends laws governing the Federal Housing Administration, Fannie Mae, and Freddie Mac to require that borrowers for one-to-four-unit properties must be citizens to qualify for their mortgage products. This change directly affects foreign nationals and non-citizen residents who currently might purchase homes with these types of financing, effectively limiting their eligibility for these specific mortgage programs.

Topics ✗ Housing ✗ Immigration

Sub-Topics Homeownership Mortgages Citizenship & Naturalization