Housing (Homeownership)

in committee · United States · House May 15, 2026

HR 8854: Habitable Housing Conversion Pilot Program Act of 2026

This bill establishes a five-year pilot program to help homeowners convert their property basements into safe, rentable living units. The Department of Housing and Urban Development will insure up to 150,000 mortgages specifically designed to fund these necessary improvements. To ensure safety, the program requires that converted spaces meet all local building codes and will prioritize projects in areas prone to natural hazards after consulting with federal emergency management agencies. At the end of the five-year period, the Department must submit a report to Congress detailing the program's results and offering recommendations on whether to continue or change it.

Topics ✓ HousingSupports HousingBill funds basement conversions to create safe, rentable units, directly increasing affordable housing supply.95% confidence

Sub-Topics Homeownership Property Development

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in committee · United States · House May 7, 2026

HR 8677: Make the American Dream Real Again Act

The Make the American Dream Real Again Act creates a new tax credit for homeowners who sell their primary residence to a first-time buyer. This provision allows the seller to claim a refundable credit equal to the lower of the money they spent helping the buyer purchase the home or the amount of tax they would save by excluding the sale gain from their income. The bill defines a first-time homebuyer as someone who has not owned a principal residence in the two years prior to the transaction and covers expenses such as down payments, inspections, and closing costs. These changes are scheduled to take effect for taxable years beginning after December 31, 2026.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill creates a refundable tax credit for homeowners, providing direct tax relief and financial assistance.90% confidence ✓ HousingSupports HousingBill creates a tax credit to encourage homeowners selling to first-time buyers, directly supporting affordable housing and home ownership.85% confidence

Sub-Topics Tax Credits Affordable Housing Homeownership Property Taxes

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in committee · United States · Senate May 13, 2026

S 4515: Flood Mapping Modernization and Homeowner Empowerment Pilot Program Act of 2026

This bill establishes a pilot program to help local governments in large urban areas create better maps for urban flooding, which occurs when heavy rain overwhelms drainage systems in built-up areas. The Federal Emergency Management Agency will provide grants to eligible cities and stormwater authorities to develop easy-to-understand digital tools that show specific flood risks for individual buildings and factor in climate trends. Funding is available for up to 12 locations over several years, with a preference for communities that are highly vulnerable to flooding or sea-level rise, and recipients must share their results and lessons learned online with the public.

Topics ✓ EnvironmentSupports EnvironmentBill funds digital flood mapping tools to assess climate trends and reduce urban flooding risks, directly supporting environmental resilience.85% confidence ✓ HousingSupports HousingBill funds digital flood mapping tools to help homeowners understand risks, indirectly supporting housing stability and property rights.75% confidence ✓ TechnologySupports TechnologyBill funds development of digital flood risk mapping tools for cities, advancing technology adoption for public safety.85% confidence

Sub-Topics Coastal & Flood Protection Water Quality Homeownership

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in committee · United States · House May 21, 2026

HR 8988: Frank Adelmann Manufactured Housing Community Sustainability Act of 2026

This bill creates a new federal tax credit to encourage owners of manufactured home communities to sell their land to residents or nonprofit organizations that agree to keep the community affordable. The credit allows sellers to claim 75% of their profit from the sale, provided the buyer agrees to a binding 50-year covenant that the land will remain used for manufactured housing. To qualify, the new owner must be a resident-owned cooperative or a nonprofit corporation with democratic governance where residents elect the board of directors. The legislation aims to prevent community closures and protect low-income homeowners from rising rents by promoting long-term resident ownership. This change takes effect for taxable years beginning after December 31, 2026.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill creates a federal tax credit to encourage affordable housing, aligning with fiscal support for essential community programs.85% confidence ✓ HousingSupports HousingBill creates tax credits to encourage affordable housing preservation via resident-owned cooperatives and nonprofits.95% confidence

Sub-Topics Tax Credits Affordable Housing Historic Preservation Homeownership

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in committee · United States · House May 21, 2026

HR 8985: Housing for All Veterans Act of 2026

The Housing for All Veterans Act of 2026 creates a new rental assistance program specifically for low-income veterans and their families. It allows these households to apply for housing vouchers through existing public housing agencies, with eligibility criteria gradually expanding from extremely low-income in 2027 to broader low-income definitions by 2031. Key provisions include counting VA disability benefits as non-income, prohibiting discrimination against voucher holders, and providing service fees to agencies to help veterans secure leases. The bill also ensures that current veterans receiving support are not affected by the new rules and that the program supplements, rather than replaces, existing housing aid.

Topics ✓ HousingSupports HousingBill creates a new rental assistance program for veterans, explicitly funding housing support and expanding eligibility to protect tenant access.95% confidence ✓ VeteransSupports VeteransBill creates a new rental assistance program for low-income veterans, expanding benefits and funding housing support.95% confidence

Sub-Topics Homelessness Homeownership Renters Veteran Benefits Veteran Healthcare Veteran Housing

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in committee · United States · House May 13, 2026

HR 8789: Volunteer First Responder Housing Act

This bill expands housing benefits for volunteer firefighters and other first responders by allowing them to receive a $18,000 income deduction when applying for USDA single-family housing loans. It also grants these volunteers eligibility to purchase discounted homes through the Good Neighbor Next Door program and similar federal housing sales initiatives. To qualify, individuals must provide a verification letter from their volunteer organization confirming at least two years of service, meeting specific hour or membership requirements, and holding valid state or tribal certification. The legislation defines "qualified volunteer first responders" based on existing Internal Revenue Code standards and requires proof of a commitment to continue volunteering for at least one year after buying a home.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill provides tax relief via an income deduction for first responders, aligning with fiscal support for essential public service workers.85% confidence ✓ HousingSupports HousingBill expands housing benefits and eligibility for first responders, directly strengthening access to affordable housing programs.90% confidence ✓ Labor & EmploymentSupports Labor & EmploymentBill expands housing benefits for volunteer first responders, strengthening their economic security and employment incentives.85% confidence

Sub-Topics Affordable Housing Homeownership Professional Licensing Tags Public Safety

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in committee · United States · House May 7, 2026

HR 8709: Homeownership Savings Act

The Homeownership Savings Act creates a new tax-advantaged account designed to help first-time homebuyers save for down payments and closing costs. This program allows individuals to deduct up to $3,000 annually from their federal income taxes for contributions made to a qualified homeownership savings account, subject to limits based on earned income and modified adjusted gross income. Contributions to these accounts are also excluded from federal income, Social Security, and unemployment taxes if made by employers, and funds withdrawn for approved housing expenses remain tax-free. The bill includes specific rules for account termination, penalties for non-qualified withdrawals, and requires trustees to file reports with the IRS. These tax provisions are scheduled to take effect for taxable years beginning after December 31, 2026.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill provides tax deductions and exclusions for homeownership savings, offering direct tax relief to individuals.95% confidence ✓ HousingSupports HousingBill creates tax-advantaged accounts to help first-time homebuyers save for down payments, directly advancing homeownership and affordable housing access.95% confidence

Sub-Topics Income Tax Affordable Housing Homeownership

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passed · United States · House May 20, 2026

HRES 1299: Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment.

This resolution directs the House to agree to a Senate amendment for a comprehensive housing bill that updates federal programs to increase housing supply, improve affordability, and modernize regulations. The legislation directly affects homeowners, renters, local governments, financial institutions, and federal agencies by establishing new grant programs, revising loan limits, and streamlining environmental reviews for construction projects. Key provisions include creating incentives for small-dollar mortgages, expanding funding for affordable housing and rural development, updating standards for manufactured and modular homes, and enhancing oversight of housing regulators and community banks. Additionally, the bill introduces specific measures to address homelessness, support veterans, and improve the efficiency of interagency coordination among HUD, USDA, and VA.

Topics ✓ HousingSupports HousingBill explicitly aims to increase housing supply, improve affordability, and modernize regulations through new grants and streamlined reviews.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · House Mar 3, 2026

HR 7755: Housing for Our Hometown Heroes Act

This bill directs the Department of Housing and Urban Development (HUD) to prepare a report for Congress. The report must evaluate the feasibility of creating a program that would allow first-time homebuyers who are first responders or school teachers to obtain FHA mortgage insurance without a down payment. HUD must consult with the Department of Veterans Affairs and analyze various aspects, including the program's costs, solvency, and impact on these specific homebuyers.

Topics ✓ HousingSupports HousingBill proposes creating a program to help first responders and teachers become homeowners through FHA mortgage insurance, directly supporting housing access for specific groups.85% confidence

Sub-Topics Homeownership Housing Finance Mortgages

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in committee · United States · House Apr 16, 2026

HR 8318: Original Additional Credit FHA Pilot Program Authorization Act

This bill, the Original Additional Credit FHA Pilot Program Authorization Act, establishes a pilot program within the Federal Housing Administration (FHA) to allow prospective mortgage borrowers to voluntarily opt into a new credit scoring model. This model uses "additional data" beyond traditional credit reports to assess creditworthiness, aiming to help individuals with limited or no conventional credit history qualify for FHA-insured loans. The Department of Housing and Urban Development (HUD) will select these new credit models and require lenders to inform borrowers about their options and how the pilot model differs. The program specifically prohibits its use for refinancing existing loans on the same property and mandates detailed reports to Congress on its effectiveness, demographic impact, and financial implications for the FHA's insurance fund.

Topics ✓ HousingSupports HousingBill expands FHA loan access through alternative credit scoring, helping individuals with limited credit history qualify for housing loans, thus supporting affordable housing access.85% confidence

Sub-Topics Homeownership Mortgages Property Development

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