Whole-Home Repairs Act of 2025
Sponsored By: Representative Williams (GA)
Introduced
Summary
This bill would create a HUD Whole-Home Repairs Pilot Program to fund accessibility, safety, and energy or water efficiency upgrades — focused on making homes safer and more affordable for low-income owners and affordable rental units.
Show full summary
- Families and low-income homeowners: The program targets homeowners with incomes at or below 80 percent of area median income (AMI) or those who qualify for Medicaid, CHIP, SSI, SNAP, or TANF, offering grants to pay for repairs not covered by other federal programs.
- Renters and small landlords: Small landlords (fewer than 10 eligible rental properties and no more than 50 total units) could get loans, including forgivable liens after 3 years, but must keep units affordable and limit rent hikes to 5 percent annually or inflation, whichever is lower.
- Local governments, tribes, and nonprofits: HUD would award 2–10 implementing-organization grants per year to States, units of general local government, tribes, or qualified nonprofits to run the pilot, coordinate with existing programs, and report annually on units served and compliance.
*Would authorize up to $30.0 million for the pilot program.*
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Bill Overview
Analyzed Economic Effects
4 provisions identified: 3 benefits, 0 costs, 1 mixed.
Repair grants for low-income homeowners
If enacted, eligible homeowners could get grants to fix health, safety, accessibility, and efficiency issues. You would need income at or below 80% of area median income, or meet income rules for Medicaid, CHIP, SSI, SNAP, or TANF. You must live in the home as your main residence or show ownership, including manufactured homes and inherited interests. Grants would cover repairs not funded by other federal programs, and HUD would set a local per-home maximum based on costs and need. The pilot would run through October 1, 2031.
Low-cost repair loans for small landlords
If enacted, small landlords could get loans, including forgivable loans, for repairs not covered by other federal programs. To qualify, a landlord would need fewer than 10 eligible rental properties, a majority of units affordable, not more than 50 total units, and agreement to program terms. Loan limits per unit or area would reflect local construction costs and be set by HUD. Forgivable loans would be secured by a lien and could be forgiven within 3 years after repairs if the landlord stays in compliance. These rules would apply through October 1, 2031.
Rent protections when landlords take repair loans
If enacted, landlords who take these repair loans would have to follow renter-protection rules. They would need to comply with federal accessibility and fair housing laws. If units are not under voucher programs, landlords would have to offer to extend current tenants’ leases on the same terms for at least 3 years after repairs, with exceptions for nonpayment, illegal acts, or uncured violations. Annual rent hikes for assisted units would be capped at 5% of base rent or inflation, whichever is lower, for at least 3 years. Landlords would also have to prove code compliance, attest to no serious renter‑protection violations in the past 10 years, and keep any vacated assisted unit affordable for the rest of the 3‑year period.
HUD pilot for whole-home repairs and oversight
HUD would launch a pilot within 1 year and could use up to $30 million from existing Healthy Homes funds. Each year, HUD would award 2 to 10 implementing organizations, with no more than one per state. Implementers could use up to 5% for related functions, including HUD‑approved workforce training, and up to 10% for admin. They would have to finish repairs or collect prorated repayments, return unused balances for reuse, and supplement—not replace—other funding. Implementers would file annual reports; HUD’s Inspector General would review the program at least twice; HUD would send Congress an annual summary and allow recent income checks to speed applications. The pilot would end on October 1, 2031.
Sponsors & CoSponsors
Sponsor
Williams (GA)
GA • D
Cosponsors
Downing
MT • R
Sponsored 11/7/2025
Roll Call Votes
No roll call votes available for this bill.
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