HOME Reform Act of 2025
Sponsored By: Representative Rep. Flood, Mike [R-NE-1]
Introduced
Summary
Expands and refocuses the federal HOME program to spur more affordable rental housing and targeted infill development by raising income limits and loosening some delivery rules. It also raises homeownership income caps and creates tools to keep homes affordable long term.
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Bill Overview
Analyzed Economic Effects
7 provisions identified: 5 benefits, 0 costs, 2 mixed.
Housing help for incomes up to median
If enacted, this bill would set income eligibility at 100% of the area’s median family income. The Secretary could adjust that number for your household size. If your income is at or below that adjusted median, you could qualify for Title II housing help.
More flexibility for small housing projects
If enacted, this bill would let some small projects skip Section 3 rules. A project with 50 or fewer units could be exempt if it is in a State program under section 216 or in an area that got under $3,000,000 last year. Buy America rules would only apply to certain infrastructure work funded with subtitle A money. The Secretary could not restrict a local program’s choice among eligible housing uses unless a specific law allows it.
Faster reviews for infill and small builds
If enacted, this bill would define “infill housing projects” as inside a city, on previously disturbed land up to 5 acres, and mostly surrounded by existing development with services. It would exempt some housing work from full NEPA review, including infill projects, land buys for affordable housing, certain rehab, and new builds of 15 units or less. The Secretary would avoid duplicate reviews when a project stays largely the same and would set coordination rules within one year.
Housing funds for nearby infrastructure
If enacted, this bill would let housing funds pay for nearby infrastructure in areas that do not get title I funding. Work like water, sewer, sidewalks, roads, and utility hookups would be allowed if it is within or next to assisted housing or LIHTC housing. Labor rules would apply, and the Secretary would issue rules within one year. Homes that only benefit from the infrastructure would not take on other HOME program rules.
Higher income cap and lasting affordability
If enacted, this bill would raise the income cap for certain affordable homeownership help from 95% to 110% of area median income. It would also require long‑term affordability tools, like shared equity, land trusts, or limited equity co‑ops, which can limit resale gains to keep homes affordable for future buyers. If an owner dies, an heir who lives in the home could keep the affordable status by taking on the owner’s duties under program terms. Local officials could also waive income rules for military owners with deployments of at least 90 days or with permanent change of station orders, under rules set by the Secretary.
Voucher apartments count as affordable units
If enacted, this bill would let units with Section 8 voucher tenants count as affordable housing. The tenant’s payment must stay within program limits, and the public housing agency must approve the total rent. This could help more voucher-friendly units be counted and planned.
New timelines for housing program funds
If enacted, this bill would take back CHDO set‑aside funds that sit unused for 24 months and let local programs use them without CHDO rules. It would remove the expiration on drawing from the HOME Investment Trust Fund. It would delete one sentence limiting per‑unit investment amounts; the effect would depend on later guidance. It would also raise a statutory performance or information target from 95% to 110%.
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Sponsors & CoSponsors
Sponsor
Rep. Flood, Mike [R-NE-1]
NE • R
Cosponsors
Rep. Cleaver, Emanuel [D-MO-5]
MO • D
Sponsored 10/31/2025
Roll Call Votes
No roll call votes available for this bill.
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