Housing (Homeownership)

in committee · United States · House Jan 3, 2025

HR 53: Responsible Borrower Protection Act of 2025

This bill blocks the Federal Housing Finance Agency (FHFA) and mortgage enterprises (like Fannie Mae and Freddie Mac) from implementing specific mortgage fee changes announced in January 2023. It specifically revokes the FHFA's updated single-family mortgage pricing framework and related guidance documents. The bill does not affect the existing practice of risk-based pricing for mortgage credit fees, which remains permitted. It directly impacts mortgage lenders and borrowers by halting the 2023 fee changes without altering current risk-based fee structures.

Topics ✓ HousingSupports HousingBlocks FHFA fee changes that would increase mortgage costs, maintaining affordability for borrowers under existing risk-based pricing framework.85% confidence

Sub-Topics Homeownership Housing Finance Mortgages

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in committee · United States · Senate Jan 30, 2026

S 3754: Affordable Housing and Homeownership Protection Act of 2026

S 3754 imposes a tiered tax on investors purchasing single-family homes, targeting those owning significant portfolios: 1% for medium-sized investors (16-25 homes), 3% for large investors (26-100 homes), and 5% for giant investors (over 100 homes). The tax applies to home purchases, excluding new construction unless replacing an existing home on the same site, and exempts nonprofits focused on affordable housing, government entities, and community land trusts. Revenue generated will be allocated 65% to the Housing Trust Fund and 35% to the Capital Magnet Fund to support affordable housing programs. The law takes effect for taxable years beginning after December 31, 2025.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill imposes tiered tax on large real estate investors to fund affordable housing programs, directly generating revenue for public services through targeted taxation.90% confidence ✓ HousingSupports HousingBill taxes large home investors (1-5% tiered) to fund housing, exempts affordable housing entities, and is titled to protect housing access. Revenue allocation supports affordable housing goals.90% confidence

Sub-Topics Procurement Affordable Housing Homeownership Property Taxes

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in committee · United States · House Feb 4, 2025

HR 917: Mortgage Debt Tax Forgiveness Act of 2025

This bill permanently excludes forgiven mortgage debt on primary residences from taxable income under the Internal Revenue Code. It directly affects homeowners who have their mortgage debt forgiven (e.g., through short sales or foreclosure) by preventing them from owing income tax on the forgiven amount. The key change amends tax code Section 108(a)(1)(E) to remove the temporary expiration date, making the exclusion permanent. The provision applies to mortgage debt discharged after December 31, 2025. This simplifies tax treatment for affected homeowners without creating new government programs or benefits.

Topics ✓ Budget & TaxesSupports Budget & TaxesExcludes forgiven mortgage debt from taxable income, providing tax relief to homeowners facing debt forgiveness, aligning with tax relief indicators for middle/lower income.95% confidence ✓ HousingSupports HousingPrevents homeowners from owing income tax on forgiven mortgage debt, reducing financial burden after foreclosure/short sale and supporting housing stability for primary residence owners.85% confidence

Sub-Topics Income Tax Homeownership Mortgages Property Taxes

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in committee · United States · House Dec 15, 2025

HR 6726: To amend the Housing and Urban Development Act of 1968 to provide reforms to housing counseling and financial literacy programs.

HR 6726 amends housing counseling programs under the 1968 Housing and Urban Development Act to improve oversight and effectiveness. It requires counseling organizations to serve diverse geographic areas (urban and rural) and mandates regular performance reviews by HUD, including evaluating counselors based on borrower default rates for covered loans. The bill also requires HUD to provide foreclosure mitigation counseling to borrowers 30+ days delinquent on FHA, VA, USDA, or similar loans, with costs covered by the Mutual Mortgage Insurance Fund if eligibility rules are met. These changes directly affect HUD-funded counseling agencies, mortgage counselors, and borrowers with specific loan types facing delinquency. The reforms focus on accountability, quality control, and expanding access to foreclosure prevention services.

Topics ✓ HousingSupports HousingReforms housing counseling programs to improve oversight, mandate foreclosure mitigation for delinquent borrowers, and require diverse geographic service - strengthening borrower protection and housing stability.92% confidence ✓ VeteransSupports VeteransMandates foreclosure counseling for VA loan borrowers, directly protecting veterans' housing stability and preventing loss of VA-guaranteed housing.95% confidence

Sub-Topics Homeownership Housing Finance Mortgages

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in committee · United States · House Feb 4, 2025

HR 918: Mortgage Insurance Tax Deduction Act of 2025

HR 918 makes a tax deduction for mortgage insurance premiums permanent for homeowners. The bill removes a temporary expiration clause in the tax code, ensuring that individuals who pay mortgage insurance (typically those with less than 20% down payment on a home loan) can continue deducting these costs on their federal taxes. This change applies to premiums paid after December 31, 2024, providing ongoing tax relief for affected homeowners without altering the deduction's eligibility rules. The policy change directly affects millions of homeowners who rely on this deduction to reduce their taxable income.

Topics ✓ Budget & TaxesSupports Budget & TaxesExtends tax deduction for mortgage insurance, providing ongoing relief to homeowners with <20% down payments, aligning with tax relief indicators for middle-income households.90% confidence ✓ HousingSupports HousingPermanently extends mortgage insurance tax deduction for low-down-payment homeowners, reducing costs and directly supporting housing affordability for a key demographic.95% confidence

Sub-Topics Homeownership Mortgages Property Taxes

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in committee · United States · House Feb 21, 2025

HR 1454: Rural Historic Tax Credit Improvement Act

This bill increases tax credits for rehabilitating historic buildings in rural areas. It creates a new "applicable rural project" category: affordable housing projects get a 40% credit on rehabilitation costs (up to $5 million total), while other rural projects get a 30% credit. The credit can now be transferred to other taxpayers, unlike previous rules. It specifically targets buildings in areas outside cities over 50,000 people or adjacent urban zones, and requires affordable housing projects to maintain housing affordability standards. The changes apply to property placed in service after December 31, 2025.

Topics ✓ Budget & TaxesSupports Budget & TaxesIncreases tax credits (30-40%) for rural historic rehab, offering direct tax relief and transferability, advancing fiscal policy for affordable housing and rural development.95% confidence ✓ HousingSupports HousingBill provides 40% tax credit for affordable housing rehab projects in rural areas, directly increasing incentives for affordable housing development.95% confidence

Sub-Topics Tax Credits Tax Incentives Affordable Housing Historic Preservation Homeownership Tags Rural Communities

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in committee · United States · House Feb 24, 2026

HR 7141: Affordable Housing Guarantee Act

This bill amends the VA home loan guaranty program to adjust the percentage of loan coverage. It increases the guaranty rate to 50% for veterans with service-connected disabilities whose VA entitlement is unused or fully restored, while maintaining a 25% guaranty for other veterans. The change directly affects eligible veterans applying for VA-backed home loans by altering the government's financial guarantee on those loans. This is a technical adjustment to existing VA loan rules, not a new housing program. The bill modifies specific provisions in Title 38 of the U.S. Code without creating new benefits or funding.

Topics ✓ HousingSupports HousingIncreases VA loan guaranty for disabled veterans, enhancing home ownership access for a vulnerable group, directly advancing affordable housing goals.90% confidence ✓ VeteransSupports VeteransIncreases VA home loan guaranty rate to 50% for veterans with service-connected disabilities, expanding housing benefits for this group.95% confidence

Sub-Topics Affordable Housing Homeownership Mortgages Veteran Benefits Veteran Healthcare Veteran Housing

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in committee · United States · House Dec 17, 2025

HR 6784: Home Lead Safety Tax Credit Act of 2025

HR 6784 creates a federal tax credit allowing homeowners to claim 50% of costs for removing lead hazards in homes built before 1978, directly affecting owners of older properties. The credit covers certified lead abatement (up to $3,000 per home) or interim safety measures (up to $1,000), with a lifetime cap of $4,000 per residence. Homeowners must use certified professionals, provide documentation of completed work meeting federal standards, and cannot double-dip with state/local credits. The credit expires after December 31, 2028, and applies to costs incurred after December 31, 2024.

Topics ✓ Budget & TaxesSupports Budget & TaxesCreates federal tax credit (50% of lead abatement costs) providing direct tax relief to homeowners, primarily benefiting lower/middle-income property owners of older homes.95% confidence ✓ EnvironmentSupports EnvironmentBill provides tax credits for lead hazard removal, directly reducing environmental pollution and protecting public health from toxic substances in older homes.90% confidence ✓ HousingSupports HousingProvides tax credit for lead abatement in older homes (pre-1978), promoting safer housing stock and reducing health risks in affordable housing properties.90% confidence

Sub-Topics Tax Credits Historic Preservation Homeownership Property Taxes

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in committee · United States · House Nov 4, 2025

HR 5916: Grandfamily Housing Act of 2025

The Grandfamily Housing Act of 2025 creates a federal grant program to support housing where grandparents or other relatives raise children (intergenerational homes). It provides funds to property owners to hire service coordinators who offer on-site services like tutoring, healthcare, and after-school care for children, while coordinating with local kinship support programs. Grants also cover outreach to families in the community, planning services, and retrofitting spaces for these programs. The program requires a report to Congress within two years evaluating its effectiveness and suggesting improvements.

Topics ✓ EducationSupports EducationProvides grants for tutoring and after-school care services, directly supporting educational access for children in kinship care households through coordinated programs.85% confidence ✓ HousingSupports HousingFunds intergenerational housing programs via grants for services, space retrofits, and outreach, advancing affordable housing access for kinship families.95% confidence

Sub-Topics Homeownership

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in committee · United States · House Mar 27, 2025

HR 2479: Homes for Young Adults Act of 2025

This bill creates an entitlement program guaranteeing housing vouchers to young adults aged 18-30 experiencing homelessness, directly addressing systemic barriers that currently prevent them from accessing housing assistance. It requires public housing agencies to provide voluntary support services (like job training and housing navigation) while prohibiting discrimination based on credit history, immigration status, or other protected factors. Funded starting in fiscal year 2027, the program targets vulnerable youth disproportionately affected by homelessness, including Black, Indigenous, and LGBTQ+ communities. By expanding access to housing choice vouchers and reducing wait times from 132-140 days, it aims to improve housing stability and reduce homelessness for this population.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill creates new entitlement program funded by government spending (starting 2027), increasing appropriations for housing assistance to vulnerable young adults, directly advancing public service funding.95% confidence ✓ HousingSupports HousingGuarantees housing vouchers for homeless young adults, prohibits discrimination in housing access, and funds new affordable housing assistance program addressing systemic barriers.95% confidence ✓ ImmigrationSupports ImmigrationBill explicitly prohibits discrimination based on immigration status in housing assistance, directly protecting immigrant rights and ensuring access to services under the housing program.95% confidence

Sub-Topics Homelessness Homeownership Housing Finance

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