Housing (Affordable Housing)

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 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 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 · 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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in committee · United States · House Feb 11, 2026

HR 7504: Housing for America’s Middle Class Act of 2026

This bill directs the Comptroller General to conduct a comprehensive study on housing affordability challenges facing middle-income American families. The report will identify specific geographic areas where housing is most unaffordable for these households and examine existing federal programs that currently exclude middle-income families from benefits available to lower-income groups. Additionally, the study will analyze how to define workforce housing based on income parameters and provide recommendations for expanding federal housing assistance to include middle-income households. The legislation focuses on gathering data and making policy recommendations rather than implementing immediate changes to housing programs.

Topics ✓ HousingSupports HousingBill directs study on housing affordability for middle-income families and examines federal programs to include them, indicating intent to strengthen housing access.75% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · House Apr 2, 2026

HR 8171: FAST Housing Act

This bill establishes a demonstration program that provides up to 15 competitive grants to local governments and public housing agencies to help develop workforce and affordable housing in areas where the workforce is expanding. To receive funding, recipients must submit applications that outline existing and proposed zoning reforms, such as upzoning, expedited permitting, and removal of parking minimums, along with implementation timelines. The grants can be used for converting commercial spaces to housing, developing new units, providing technical assistance, and acquiring properties, with at least 30 percent of created units required to be affordable housing. The program prioritizes jurisdictions that have already reduced regulatory barriers and aims to include urban, suburban, and rural areas, while requiring a study to evaluate the program's effectiveness on housing timelines and production.

Topics ✓ HousingSupports HousingBill provides competitive grants to develop workforce and affordable housing, requiring zoning reforms to expand housing supply.95% confidence

Sub-Topics Affordable Housing Community Development Zoning

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in committee · United States · Senate Mar 3, 2026

S 3968: Housing for America’s Middle Class Act of 2026

This bill directs the Government Accountability Office to conduct a study on workforce housing within one year of enactment. The study will identify barriers middle-income households face in securing affordable housing, pinpoint areas with the highest unaffordability, and list federal programs currently unavailable to this group due to income limits. The GAO will also propose a clear federal definition for workforce housing and analyze how to modify or create new housing programs to include this category. The bill defines middle-income households as those earning between 80 and 120 percent of the median family income in their area.

Topics ✓ HousingSupports HousingBill directs GAO to study workforce housing barriers and propose federal definition, aiming to improve access for middle-income households.75% confidence

Sub-Topics Affordable Housing Homeownership Zoning

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in committee · United States · Senate Mar 5, 2026

S 4020: Housing Supply and Affordability Act

This bill, known as the Housing Supply and Affordability Act, creates a federal grant program to help states, cities, counties, and regional planning agencies develop and implement plans to increase housing supply and affordability. The program provides competitive grants that can be used for activities such as updating zoning codes, improving housing strategies, reducing development barriers, and coordinating with transportation agencies, but cannot be used for construction or repairs. Local governments receiving funds must limit administrative costs to no more than 10 percent of the grant amount and must coordinate with federal transit authorities where possible. The authority to award these grants is limited to a five-year period, after which the program will end.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill establishes federal grant program to fund housing supply and affordability planning, advancing state budget initiatives for essential services75% confidence ✓ HousingSupports HousingBill creates federal grant program to increase housing supply and affordability, directly supporting housing development and affordability goals.95% confidence

Sub-Topics Affordable Housing Land Use Zoning

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in committee · United States · Senate Mar 3, 2026

S 3969: Improving Housing Access Act

This bill directs the Comptroller General of the United States to conduct a study on ways to improve housing options for elderly and disabled individuals. The study will examine potential barriers to housing access and analyze the effects of providing capital advances to two specific federal housing programs: the Section 202 program for elderly supportive housing and the Section 811 program for disabled persons. The report must be completed within one year of the bill's enactment and will focus on identifying practical solutions rather than implementing new policies.

Topics ✓ HousingSupports HousingBill directs study to identify options to remove barriers and improve housing for elderly and disabled persons, indicating intent to strengthen housing access for vulnerable populations.85% confidence

Sub-Topics Affordable Housing Historic Preservation Housing Finance Tags People with Disabilities Seniors

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