Housing (Housing Finance)

in committee · United States · House Jun 30, 2025

HR 4266: Housing for US Act

This bill establishes a revolving loan fund to increase middle-class housing supply by providing capitalization loans to states using funds from the release of Federal National Mortgage Association and Federal Home Loan Mortgage Corporation. States will create housing revolving loan funds to provide financing to local governments and non-profits for new construction or rehabilitation of housing that meets affordability standards (80-165% of area median income) for middle-income families. The housing must maintain affordability for at least 15 years, and construction must comply with labor requirements including apprenticeship and prevailing wage standards. The fund will be repaid to the Treasury for deficit reduction after 10 years.

Topics ✓ HousingSupports HousingBill creates revolving loan fund to finance middle-income housing (80-165% AMI) through state programs, directly advancing affordable housing supply via federal capitalization.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · House Mar 27, 2025

HR 2410: Revitalizing Downtowns and Main Streets Act

HR 2410 creates a 20% federal tax credit for developers converting older non-residential buildings (at least 20 years old) into affordable housing. The credit applies to qualified conversion costs, requiring that 20% of units be rent-restricted for residents earning 80% or less of the area median income for 30 years. It establishes a $12 billion national credit limit, with $3 billion reserved for conversions in economically distressed areas, and mandates state-level allocation plans prioritizing projects near transit and employment. The bill directly affects developers seeking tax incentives for downtown revitalization, not tenants or local governments.

Topics ✓ Budget & TaxesSupports Budget & TaxesCreates 20% federal tax credit for affordable housing conversions, directing $12B toward housing development with rent restrictions, advancing affordable housing funding through tax policy.95% confidence ✓ HousingSupports HousingCreates 20% tax credit for converting buildings to affordable housing with 20% rent-restricted units for 30 years targeting 80% AMI earners, directly funding affordable housing expansion.95% confidence

Sub-Topics Tax Credits Tax Incentives Affordable Housing Historic Preservation Housing Finance

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in committee · United States · House Feb 7, 2025

HR 1133: Repeal Community Development Block Grants Act of 2025

HR 1133, the Repeal Community Development Block Grants Act of 2025, would eliminate the federal Community Development Block Grant (CDBG) program by repealing key sections of the 1974 Housing and Community Development Act. This bill directly affects local governments and community organizations that currently receive CDBG funds for projects like affordable housing, infrastructure improvements, and economic development. The repeal would end all CDBG funding starting October 1, 2025, removing this specific federal funding stream. The bill does not create new programs or alter other housing assistance; it solely targets the repeal of the existing CDBG authority.

Topics ✗ Budget & TaxesOpposes Budget & TaxesDefunds CDBG program, eliminating federal funding for community development projects like affordable housing and infrastructure.95% confidence ✗ HousingOpposes HousingRepeals CDBG program funding for affordable housing projects, directly cutting federal housing assistance and eliminating a key source of support for local housing initiatives.95% confidence

Sub-Topics Community Development Historic Preservation Housing Finance

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in committee · United States · Senate Apr 30, 2025

S 1527: Housing Affordability Act

The Housing Affordability Act (S 1527) updates inflation-adjusted monetary limits for multifamily housing programs under the National Housing Act. It increases specific dollar amounts - such as loan limits and income thresholds - by replacing outdated figures (e.g., raising a $38,025 limit to $167,310) with new values calculated using the Bureau of the Census' Price Deflator Index for Multifamily Residential Units. These adjustments, effective July 1, 2025, require the Secretary to publish the updated amounts in the Federal Register and round them to the next lower dollar. The bill directly affects federal housing programs that use these monetary thresholds, such as multifamily mortgage loans and rental assistance.

Topics ✓ Budget & TaxesSupports Budget & TaxesAdjusts housing program funding limits upward for inflation, increasing government spending on affordable housing affordability programs.90% confidence ✓ HousingSupports HousingBill increases inflation-adjusted income thresholds and loan limits for multifamily housing programs, directly strengthening affordable housing access under the National Housing Act.95% confidence

Sub-Topics Affordable Housing Housing Finance Mortgages

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in committee · United States · House Jan 15, 2026

HR 7062: Build HUBS Act

The Build HUBS Act extends and improves the Transportation Infrastructure Finance and Innovation (TIFIA) and Railroad Rehabilitation and Improvement Financing (RRIF) programs to support housing near transit. It creates new definitions for "attainable housing projects" (affordable to households earning up to 120% of area median income, with most units affordable to those earning up to 80% of area median income) and allows an "investment-creditworthiness assessment alternative" instead of requiring investment-grade ratings for financing. The bill requires at least 75% of TIFIA funding for attainable housing projects to go toward residential components, sets a lower interest rate (half the Treasury Rate) for these projects, and exempts certain land acquisition activities from environmental review requirements under the National Environmental Policy Act.

Topics ✓ HousingSupports HousingExtends TIFIA/RRIF to fund transit-oriented housing with affordability thresholds (80-120% AMI), directly advancing housing development and affordability.95% confidence ✓ TransportationSupports TransportationExtends TIFIA/RRIF programs to fund transportation infrastructure, promotes transit-oriented housing development, and improves financing mechanisms for transit projects.95% confidence

Sub-Topics Affordable Housing Housing Finance Zoning Rail

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in committee · United States · Senate Apr 10, 2025

S 1477: Housing for All Act of 2025

The Housing for All Act of 2025 is a comprehensive federal housing bill that allocates significant funding to address housing shortages and homelessness. It provides $45 billion for the Housing Trust Fund, $40 billion for the HOME Investment Partnerships Program, and expands housing choice vouchers by 500,000 in 2025 with annual increases to 1 million by 2028, prioritizing individuals at risk of homelessness. The bill establishes a Racial Equity Commission to examine structural racism in housing and creates new programs including safe parking initiatives, eviction protection grants, and mobile crisis intervention teams. It directly affects vulnerable populations including people with disabilities, racial minorities, elderly individuals, veterans, and those experiencing homelessness or housing instability. The legislation also requires a GAO report on eviction data and promotes inclusive transit-oriented development to enhance climate resilience.

Topics ✓ HousingSupports HousingAllocates $45B to Housing Trust Fund, $40B to HOME program, expands vouchers by 500K+ annually to address homelessness and racial equity in housing.95% confidence

Sub-Topics Homelessness Housing Finance Tenant Rights

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in committee · United States · House Aug 22, 2025

HR 5034: Liberty City Rising Act

The Liberty City Rising Act requires federal housing agencies to implement new safety standards for public and assisted housing in neighborhoods designated as high-crime areas. It defines "high-crime areas" using recent violent crime data and mandates that housing agencies establish security measures (like cameras, locks, and lighting) tailored to each property’s needs, plus provide anonymous hotlines for tenants to report crime. The bill also directs HUD to prioritize funding for safety upgrades in these areas through the Capital Fund. Agencies must make initial high-crime area determinations within 90 days of enactment and establish full safety standards within one year. These changes directly affect public housing agencies and property owners receiving federal housing assistance in designated high-crime neighborhoods.

Topics ✓ HousingSupports HousingMandates safety standards, anonymous hotlines, and prioritizes HUD funding for public/assisted housing safety upgrades, strengthening tenant protections in affordable housing.90% confidence

Sub-Topics Historic Preservation Housing Finance Tenant Rights

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in committee · United States · Senate Jul 23, 2025

S 2402: First-Time Homebuyer Tax Credit Act of 2025

This bill creates a refundable tax credit of up to $15,000 (10% of purchase price) for first-time homebuyers in the U.S. To qualify, buyers must be at least 18 years old, have no recent home ownership, and purchase with a federally-backed mortgage. The credit is reduced for higher-income households relative to local median income and home prices. Homeowners who sell within 4 years must repay the credit, though exceptions exist for military service or job changes. The credit can also be transferred to the mortgage lender at the time of purchase.

Topics ✓ Budget & TaxesSupports Budget & TaxesCreates refundable tax credit reducing tax burden for first-time homebuyers, with income-based reductions targeting middle/lower-income households.90% confidence ✓ HousingSupports HousingBill provides refundable tax credit to first-time homebuyers, directly increasing affordability and accessibility of homeownership per housing topic description.90% confidence

Sub-Topics Tax Credits Affordable Housing Homeownership Housing Finance

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in committee · United States · Senate May 8, 2025

S 1686: Neighborhood Homes Investment Act

The Neighborhood Homes Investment Act creates a new tax credit to increase affordable homeownership in distressed communities by closing financing gaps. It allows developers to claim a credit equal to the difference between development costs and affordable sale prices, capped at 40% of development costs or 32% of the national median home price. To qualify, homes must be sold to individuals with incomes at or below 140% of area median income in designated distressed census tracts, with specific requirements for rehabilitation and affordability. The credit is designed to address housing shortages in low-income areas while requiring repayment if homes are resold within five years.

Topics ✓ Budget & TaxesSupports Budget & TaxesCreates tax credit for developers to fund affordable housing for low-income buyers (140% AMI) in distressed areas, advancing affordable homeownership through fiscal policy.90% confidence ✓ HousingSupports HousingCreates tax credit to close financing gaps for affordable homeownership in distressed areas, targeting low-income buyers (≤140% AMI) with income and location requirements.95% confidence

Sub-Topics Tax Credits Affordable Housing Homeownership Housing Finance

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in committee · United States · House Jan 27, 2026

HR 7243: SPUR Housing Act

This bill creates a HUD grant program to help developers offset state and local taxes and infrastructure fees for new housing projects. Developers must secure commitments from local governments to reduce property taxes by at least 50% on qualifying projects to qualify. Priority is given to projects increasing affordable housing, located near transit or job centers, using infill sites, or targeting workforce/senior housing needs. The program allocates $300 million annually (2027-2031) to cover up to 50% of eligible costs or $150,000 per developer, with grants lasting up to five years.

Topics ✓ Budget & TaxesSupports Budget & TaxesMandates 50% property tax reduction for qualifying housing projects via $300M federal grant, promoting tax relief and affordable housing funding.95% confidence ✓ HousingSupports HousingFunds affordable housing development via HUD grants, prioritizes projects near transit/job centers and workforce/senior housing with $300M annual allocation.95% confidence ✓ TransportationSupports TransportationPrioritizes housing near transit hubs, encouraging development that complements public transit access and infrastructure use per bill's location criteria.85% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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