Housing Affordability Act

This bill raises the per-unit dollar limits on multifamily housing loans insured by the federal government under several sections of the National Housing Act. For example, one limit for a unit without a bedroom would go from $38,025 to $167,310. Starting January 1, 2026, these dollar limits would be adjusted each year using a Census Bureau price index for multifamily buildings under construction, measured from March to March. The Secretary of Housing and Urban Development would publish each adjustment in the Federal Register, rounded down to the next lower dollar.

Full text and official record on Congress.gov

Sponsors

• Monica De La Cruz Republican sponsor
• 3 cosponsors