HR6132119th CongressWALLET

Housing Affordability Act

Sponsored By: Representative Rep. De La Cruz, Monica [R-TX-15]

Introduced

Summary

This bill would create an automatic annual adjustment for multifamily loan limits under Title II of the National Housing Act. It would start on January 1, 2026 and link the adjustment to the Price Deflator Index of Multifamily Residential Units Under Construction.

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  • Multifamily borrowers and developers: Loan-amount figures and statutory loan thresholds would be recalculated each year using that construction price index, changing how multifamily loan limits move over time.
  • Program administrators and lenders: Adjusted dollar amounts must be published in the Federal Register and rounded down to the next lower dollar.
  • Program calculations and statutory thresholds: The bill rescinds a per-space cap of $17,460 per space and updates multiple monetary thresholds across several sections of the National Housing Act.

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

Annual updates to apartment loan limits

If enacted, starting January 1, 2026, the government would adjust these multifamily dollar limits every year. The change would match the March‑to‑March move in a multifamily construction price index. The Secretary would publish the new figures in the Federal Register. Each adjusted amount would be rounded down to the next lower dollar.

Bigger loan limits for apartments

If enacted, the bill would raise many dollar amounts used to size federally insured mortgages for apartment buildings. Examples: $38,025 would rise to $167,310 and $70,200 would rise to $308,880. It would also remove a per‑space cap of $17,460. These higher figures would apply as soon as the bill becomes law across several multifamily programs.

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Sponsors & CoSponsors

Sponsor

Rep. De La Cruz, Monica [R-TX-15]

TX • R

Cosponsors

  • Rep. Torres, Ritchie [D-NY-15]

    NY • D

    Sponsored 11/19/2025

  • Vindman

    VA • D

    Sponsored 12/3/2025

  • Rep. Bera, Ami [D-CA-6]

    CA • D

    Sponsored 3/24/2026

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov

Live Policy Activity

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Surfaced from PRIA's policy knowledge graph — ranked by signal strength, connected by evidence.

Live · 7h ago15,853Bills1,439Wiki4 signals surfaced
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Moving· 6 days in stage

Financial Services and General Government Appropriations Act, 2027

Rep. Joyce, David P. [R-OH-14] (R-OH)
IntroducedApr 24
Cmte Reported
Passed Origin Chbr
Passed Second Chbr
Resolving Diffs
Enrolled
Became Law
Current StageIntroduced· 6d

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How These Connect

· reasoned by PRIA's knowledge graph
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Graph Connectionextracted100% confidence
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.--The term ``geothermal energy project'' means a project wholly or partially located on public land that uses geothermal energy to generate heat or electricity. (3) Public land.--The term ``public land'' means lands subject to geothermal leasing under section 3 of the Geothermal Steam Act of 1970 (30 U.S.C. 1002). (4) Secretary.--The term ``Secretary'' means the Secretary of the Interior. (5) Task force.--The term ``Task Force'' means the Geothermal Permitting Task Force established under subsection (c). (b) Geothermal Ombudsman.-- (1) In general.--Not later than 60 days after the date of ena

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