# 119-hr-2760: Middle Class Mortgage Insurance Premium Act of 2025

119-hr-2760, Middle Class Mortgage Insurance Premium Act of 2025, is a 119th Congress bill sponsored by Rep. Buchanan, Vern [R-FL-16] (R-FL); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-2760
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-2760
- Congress: 119
- Title: Middle Class Mortgage Insurance Premium Act of 2025
- Status: introduced
- Introduced: 2025-04-09
- Sponsor: Rep. Buchanan, Vern [R-FL-16] (R-FL)
- Cosponsors: 12
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Raises income caps for the mortgage insurance premium deduction.** This bill would increase who can deduct mortgage insurance premiums and removes a specific clause in section 163(h)(3)(E). The change takes effect for taxable years beginning after December 31, 2025. - Middle-income homebuyers: Homebuyers who pay private mortgage insurance could qualify for the deduction at higher incomes. The cap would be $200,000 for joint filers and $100,000 for single filers. - Tax filers who itemize: More people who itemize deductions could claim mortgage insurance premiums, which may lower taxable income for those buyers.

## Cosponsors (12)

- Rep. Panetta, Jimmy [D-CA-19] (D-CA), 2025-04-09T00:00:00.000Z
- Rep. Carey, Mike [R-OH-15] (R-OH), 2025-04-09T00:00:00.000Z
- Rep. Fitzgerald, Scott [R-WI-5] (R-WI), 2025-04-09T00:00:00.000Z
- Rep. Steil, Bryan [R-WI-1] (R-WI), 2025-04-09T00:00:00.000Z
- Rep. DelBene, Suzan K. [D-WA-1] (D-WA), 2025-04-09T00:00:00.000Z
- Rep. Moore, Gwen [D-WI-4] (D-WI), 2025-04-09T00:00:00.000Z
- Rep. Schneider, Bradley Scott [D-IL-10] (D-IL), 2025-04-09T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-04-09T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-04-09T00:00:00.000Z
- Rep. Sánchez, Linda T. [D-CA-38] (D-CA), 2025-04-09T00:00:00.000Z
- Rep. Miller, Carol D. [R-WV-1] (R-WV), 2025-04-24T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-09-17T00:00:00.000Z

## Provisions PRIA read

- Higher income limit for mortgage insurance deduction: benefit, high. This bill would let more homeowners deduct mortgage insurance premiums. The income limit would rise to $200,000, or $100,000 if married filing separately. You would still need to itemize and have eligible mortgage insurance. It would also remove the current sunset clause, so the deduction would not…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-452: Miracle on Ice Congressional Gold Medal Act
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-1502: North Platte Canteen Congressional Gold Medal Act

## Sources
- [119-hr-2760 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/2760)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-452: Miracle on Ice Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-452)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-1502: North Platte Canteen Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-1502)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-2760 (as of 2026-04-21).