# 119-hr-10053: Public Service Homeownership Assistance Act

119-hr-10053, Public Service Homeownership Assistance Act, is a 119th Congress bill sponsored by Rep. Lawler, Michael [R-NY-17] (R-NY); status introduced; PRIA reads it as touching household money (as of 2026-08-20).

- Canonical: https://policyrisk.com/legislation/119-hr-10053
- As of: 2026-08-20
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-10053
- Congress: 119
- Title: Public Service Homeownership Assistance Act
- Status: introduced
- Introduced: 2026-08-06
- Sponsor: Rep. Lawler, Michael [R-NY-17] (R-NY)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-08-20

## Summary

**This bill would create a HUD program for targeted downpayment assistance for public employees** by authorizing small, repayable loans to cover downpayment and closing costs on a primary residence. Loans would be $10,000 to $20,000, secured by the property but subordinate to the first mortgage, and amortized over 10 years with occupancy and repayment triggers. - Public employees: Eligible federal, state, tribal, and local workers could get a $10,000–$20,000 loan to cover the downpayment or closing costs. Repayment would begin on sale, a cash-out refinance, or after a year when the borrower did not live in the home at least 182 days. - Homebuyers and households: Loans would apply to 1–4 unit residential properties that the borrower must occupy within 60 days and live in most of the year. Loan proceeds could not pay the purchase price and must be used only for downpayment or closing costs. - Program design and funding: HUD would be able to issue loans starting January 1, 2027, subject to available appropriations. The loans would amortize over 10 years and may be paired with other federal or state housing assistance.

## Provisions PRIA read

- HUD downpayment loans for public employees: mixed, high. If enacted, beginning January 1, 2027, and only if Congress funds it, HUD would be able to offer downpayment loans to covered public employees. You would be able to get $10,000 to $20,000 to pay a downpayment or closing costs on a home. Loans would be secured by the property, be subordinate to the…

## Related bills

- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-4393: DIGNIDAD (Dignity) Act of 2025
- 119-hr-9086: Foreign Service Modernization Act
- 119-hr-3633: Digital Asset Market Clarity Act

## Sources
- [119-hr-10053 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10053)

## Related
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-4393: DIGNIDAD (Dignity) Act of 2025](https://policyrisk.com/legislation/119-hr-4393)
- [119-hr-9086: Foreign Service Modernization Act](https://policyrisk.com/legislation/119-hr-9086)
- [119-hr-3633: Digital Asset Market Clarity Act](https://policyrisk.com/legislation/119-hr-3633)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-10053 (as of 2026-08-20).