Housing (Homeownership)

in committee · United States · House Dec 17, 2025

HR 6774: FHA Small-Dollar Mortgages Act

HR 6774, the FHA Small-Dollar Mortgages Act, authorizes the Secretary of Housing and Urban Development to establish a four-year pilot program to increase access to mortgages of $100,000 or less for individuals purchasing their primary residence. This program would offer incentives such as direct payments to lenders for originating these small-dollar mortgages and grants to borrowers to help cover costs like down payments, closing costs, and appraisals. It also allows for adjustments to Federal Housing Administration terms for these loans and mandates outreach to potential borrowers. The bill requires annual reports to Congress evaluating the program's outcomes and risks to the Mutual Mortgage Insurance Fund.

Topics ✓ HousingSupports HousingBill establishes pilot program to increase access to small-dollar mortgages and provides grants for down payments, directly advancing affordable housing access.95% confidence

Sub-Topics Affordable Housing Homeownership Mortgages

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in committee · United States · Senate Mar 26, 2026

S 4276: Native American Housing Assistance and Self-Determination Modernization Act of 2026

The Native American Housing Assistance and Self-Determination Modernization Act of 2026 aims to update and improve federal housing programs for Indian tribes, tribally designated housing entities, and Native Hawaiian communities. The bill streamlines environmental reviews, increases flexibility for these entities in managing housing funds, and raises income limits for certain homeownership assistance. It also establishes new pilot programs to address homelessness among Native Americans

Topics ✓ HousingSupports HousingBill modernizes Native American housing programs, increases flexibility for housing funds, raises income limits for homeownership assistance, and establishes new homelessness pilot programs.95% confidence

Sub-Topics Homelessness Homeownership Tags Tribal Nations

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in committee · United States · House Mar 26, 2026

HR 8127: Permanent Housing Affordability Act

The Permanent Housing Affordability Act aims to create and preserve permanently affordable housing for low- and moderate-income individuals and families. It establishes a Treasury Department program to provide grants to states and financial institutions, enabling them to offer low-interest construction loans to non-profit organizations and local governments for developing or rehabilitating shared equity homes with long-term affordability requirements. A separate pilot program under HUD offers direct grants to eligible entities for acquiring land or properties to develop similar affordable housing for lower-income households. The bill also mandates research and public awareness campaigns for shared equity homeownership models and streamlines the transfer of surplus federal land to these models at a discounted rate for affordable housing use.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill establishes Treasury grants and low-interest loans for affordable housing, increasing federal funding for public services and housing programs.75% confidence ✓ HousingSupports HousingBill creates grants and low-interest loans for affordable housing development with long-term affordability requirements, directly advancing housing access.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · Senate Mar 26, 2026

S 4262: Permanent Housing Affordability Act

This bill establishes a new funding program to support community land trusts and shared equity homeownership models, which are nonprofit approaches designed to keep housing permanently affordable for low- and moderate-income families. It creates a $100 million fund to provide low-interest construction loans to local governments and nonprofits, while also authorizing $500 million over five years for grants to purchase land and develop affordable housing. The legislation defines specific requirements for these projects, including 99-year affordability restrictions and resale formulas that limit future sale prices to ensure homes remain accessible to households earning up to 120 percent of the area median income. Additionally, the bill directs the Treasury and Housing and Urban Development departments to conduct research on best practices and launch public awareness campaigns about these housing models. It also amends federal surplus land laws to allow the government to transfer unused properties to community land trusts at a 75 percent discount from market value.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill establishes $100M fund for low-interest loans and $500M in grants for affordable housing, directly increasing government funding for essential community programs.90% confidence ✓ HousingSupports HousingBill establishes funding program for community land trusts and shared equity homeownership to keep housing affordable for low- and moderate-income families.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · House Apr 23, 2026

HR 8092: Native American Housing Assistance and Self-Determination Modernization Act of 2026

This bill modernizes housing assistance programs for Native American tribes and Native Hawaiians by streamlining environmental reviews, extending funding authorization through 2032, and expanding loan guarantee options. Key provisions include consolidating environmental review requirements to reduce paperwork for tribes, allowing 99-year leasehold interests on trust lands for housing, and creating new rental assistance specifically for homeless or at-risk Native American veterans. The legislation also clarifies rent rules, waives certain housing counseling certifications for tribal entities, exempts tribal housing projects from some federal civil rights and Buy America requirements, and establishes a direct loan guarantee process for tribal housing projects.

Topics ✓ HousingSupports HousingBill modernizes housing assistance programs, extends funding through 2032, expands loan guarantees, and creates rental assistance for homeless Native American veterans, directly strengthening housing support.95% confidence ✓ VeteransSupports VeteransBill explicitly creates new rental assistance for homeless or at-risk Native American veterans, directly supporting veteran housing needs.75% confidence

Sub-Topics Homelessness Homeownership Renters Veteran Housing Tags Tribal Nations

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in committee · United States · House Mar 26, 2026

HR 8116: SHARE Act

The SHARE Act introduces a new tax provision that excludes certain income from shared appreciation mortgages from gross income for qualifying borrowers. This bill directly affects low-to-moderate income homeowners who use these alternative financing products, which allow lenders to receive a share of the property's future value increase instead of requiring monthly interest payments. The key mechanism requires borrowers to meet income limits of 140 percent of the area median income and use the home as their primary residence, while the mortgage must be a second lien subordinate to a qualified first mortgage and cannot exceed 49 percent of the purchase price. The tax exclusion applies only to amounts received after December 31, 2025, and does not change the fundamental structure of these loans but rather provides specific tax treatment for their repayment and disposition.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill provides tax relief for low-to-moderate income homeowners by excluding shared appreciation mortgage income from gross income, aligning with fiscal support for vulnerable populations.85% confidence ✓ HousingSupports HousingBill provides tax exclusion for shared appreciation mortgages, making alternative financing more accessible for low-to-moderate income homeowners, thus supporting affordable housing access.85% confidence

Sub-Topics Affordable Housing Homeownership Mortgages

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in committee · United States · House Feb 11, 2026

HR 7503: Housing for Heroes Act of 2026

The Housing for Heroes Act of 2026 expands eligibility for the Good Neighbor Next Door Sales Program to include members of the Armed Forces, firefighters, and law enforcement officers. Under this bill, these eligible individuals can purchase single-unit properties through the program even if the properties are not located in designated revitalization areas. The Department of Housing and Urban Development will update its regulations to implement these expanded eligibility rules. This change allows first responders and military personnel to access discounted housing opportunities in a broader range of locations.

Topics ✓ HousingSupports HousingBill expands housing program eligibility for first responders and military, increasing access to affordable housing opportunities through the Good Neighbor Next Door Sales Program.85% confidence ✓ VeteransSupports VeteransBill expands eligibility for housing benefits to include Armed Forces members, directly advancing veteran housing support and benefits.95% confidence

Sub-Topics Homeownership Property Development Veteran Housing

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in committee · United States · House Apr 9, 2026

HR 8221: First-Time Homebuyer Savings Act of 2026

This bill creates a new tax-advantaged savings account specifically for first-time homebuyers, allowing them to deduct contributions up to $10,000 annually from their taxable income. The account can only be used to pay qualified homebuyer expenses such as purchasing or constructing a principal residence, and it is available to individuals who have not owned a home in the past three years. Distributions from the account remain tax-free if used for eligible housing expenses, but unused withdrawals are subject to income tax and a 10% penalty. The legislation also allows account holders to transfer funds to an IRA within 180 days after purchasing a home, and it exempts these contributions from Social Security and Medicare taxes.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill provides tax deductions for first-time homebuyers, offering tax relief and encouraging home ownership through fiscal incentives.85% confidence ✓ HousingSupports HousingBill creates tax-advantaged savings account for first-time homebuyers, directly supporting housing affordability and homeownership access.95% confidence

Sub-Topics Income Tax Procurement Affordable Housing Homeownership

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in committee · United States · House Mar 24, 2026

HR 8047: Promoting Resident Ownership of Manufactured Home Communities Act

This bill creates a federal grant program to help states, tribes, and local governments establish policies that allow residents of manufactured home communities to purchase their communities. The program requires recipients to use at least 25% of grant funds for land and infrastructure and to adopt model laws that mandate owners notify residents before selling, giving residents the right to match the sale price and negotiate terms. Eligible entities must demonstrate that their policies provide residents with meaningful opportunities to buy communities, with specific protections against retaliation and requirements that sale offers be available to all potential buyers. The legislation defines eligible owners as government entities, nonprofits, and resident cooperatives, while exempting certain family transfers and internal business transactions from the purchase opportunity requirements.

Topics ✓ HousingSupports HousingBill creates federal grants to help residents purchase manufactured home communities, strengthens tenant protections, and funds housing programs to promote resident ownership.92% confidence

Sub-Topics Community Development Homeownership

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in committee · United States · Senate Mar 26, 2026

S 4241: Boosting Housing Supply through Small Businesses Act of 2026

This bill directs the Small Business Administration and the Department of Housing and Urban Development to work together to help small businesses in the housing industry, such as homebuilders, contractors, and property managers. The agencies must create a joint plan within 180 days to identify gaps in financial and technical assistance and propose ways to expand access to loans and support services for these businesses. The plan must also include strategies for better information sharing, joint training programs, and support for housing startups and innovative products. Additionally, the agencies are required to engage with state and local governments, community organizations, and other resource partners to develop these initiatives. The legislation aims to address housing shortages by strengthening the capacity of small businesses that contribute to housing supply and affordability.

Topics ✓ HousingSupports HousingBill aims to boost housing supply by supporting small businesses in housing industry through financial and technical assistance, directly advancing housing development goals.85% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance Tags Small Business

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