FARM Home Loans Act of 2025
Sponsored By: Representative Rep. McDonald Rivet, Kristen [D-MI-8]
Introduced
Summary
Makes accessory dwelling units explicitly count as appurtenances for rural home loans. It amends the Farm Credit Act to add accessory dwelling units to the definition of appurtenances and to raise a numeric threshold in that same section from 2,500 to 10,000.
Show full summary
- Families and homeowners: Properties with accessory dwelling units are now expressly treated as having those units as appurtenances for rural housing finance rules. This clarifies that ADUs can be part of loans under the Farm Credit framework.
- Rural communities and places: The bill raises the numeric threshold used in the section from 2,500 to 10,000, widening the set of places that fall under the section's coverage.
- Farm Credit lenders and rural housing markets: Lenders will apply the broader appurtenance definition and higher threshold when evaluating properties under the amended provision.
Your PRIA Score
Personalized for You
How does this bill affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this bill and every other piece of legislation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
More rural home loan access
This bill would raise the Farm Credit Act's rural population limit from 2,500 to 10,000. It would also say that accessory dwelling units (ADUs) count as appurtenances. If enacted, this would make more communities and properties eligible under the Act for Farm Credit housing loans and would allow ADUs to be treated as loan collateral or appurtenances. The change would take effect upon enactment.
Free Policy Watch
You just read the policy. Now see what it costs you.
Pick a topic. PRIA runs your household against live legislation and sends you a free personalized readout.
Pick a topic to get started
Sponsors & CoSponsors
Sponsor
Rep. McDonald Rivet, Kristen [D-MI-8]
MI • D
Cosponsors
Rep. Huizenga, Bill [R-MI-4]
MI • R
Sponsored 12/15/2025
Riley (NY)
NY • D
Sponsored 12/15/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.govTake It Personal
Get Your Personalized Policy View
Take the PRIA Score to see how policy affects your household, then upgrade to PRIA Full Coverage for year-round monitoring.
Already have an account? Sign in