# 119-hr-4069: Downpayment Toward Equity Act of 2025 119-hr-4069, Downpayment Toward Equity Act of 2025, is a 119th Congress bill sponsored by Rep. Waters, Maxine [D-CA-43] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-10-31). - Canonical: https://policyrisk.com/legislation/119-hr-4069 - As of: 2026-10-31 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: 119-hr-4069 - Congress: 119 - Title: Downpayment Toward Equity Act of 2025 - Status: introduced - Introduced: 2025-06-23 - Sponsor: Rep. Waters, Maxine [D-CA-43] (D-CA) - Cosponsors: 29 - Policy area: Finance and Financial Sector - Touches household money: yes - Last recorded action: 2026-10-31 ## Summary **A new HUD grant program to help first-generation homebuyers** would provide downpayment and related assistance to narrow racial and multigenerational homeownership gaps. - First-generation homebuyers would get grants for downpayments, closing costs, interest-rate relief, and shared-equity subsidies, plus certain pre-occupancy accessibility modifications. Grants require repayment if the buyer does not occupy the home as a primary residence, with proportional repayment up to five years and possible waivers after that. - States and local eligible entities would receive the funds to run the program, with roughly 75% of grant dollars going to States and 25% awarded competitively to eligible entities. - Counseling and education are required before a purchase agreement or loan application, and the bill floors counseling funding at not less than 5% of appropriations and allows alternative education if capacity is limited. - The program sets uniform fair housing and integrity rules, permits layering of other assistance, requires annual public reporting down to ZIP or census tract level with privacy safeguards, and authorizes a study on historic discrimination to guide remedies. *Would authorize $100 billion for HUD grants, subject to appropriation and available until expended.* ## Cosponsors (29) - Rep. Blair, Everton [D-GA-13] (D-GA), 2026-10-05T00:00:00.000Z - Rep. Sykes, Emilia Strong [D-OH-13] (D-OH), 2026-10-05T00:00:00.000Z - Rep. Wilson, Frederica S. [D-FL-24] (D-FL), 2026-10-09T00:00:00.000Z - Rep. Green, Al [D-TX-9] (D-TX), 2025-06-23T00:00:00.000Z - Rep. Pressley, Ayanna [D-MA-7] (D-MA), 2025-06-23T00:00:00.000Z - Rep. Garcia, Sylvia R. [D-TX-29] (D-TX), 2025-06-23T00:00:00.000Z - Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-06-26T00:00:00.000Z - Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2025-06-26T00:00:00.000Z - Rep. Fields, Cleo [D-LA-6] (D-LA), 2025-06-26T00:00:00.000Z - Rep. Torres, Ritchie [D-NY-15] (D-NY), 2025-06-26T00:00:00.000Z - Rep. Beatty, Joyce [D-OH-3] (D-OH), 2025-06-26T00:00:00.000Z - Rep. McGovern, James P. [D-MA-2] (D-MA), 2025-06-26T00:00:00.000Z - Rep. Leger Fernandez, Teresa [D-NM-3] (D-NM), 2025-06-26T00:00:00.000Z - Rep. Cleaver, Emanuel [D-MO-5] (D-MO), 2025-06-26T00:00:00.000Z - Rep. Williams, Nikema [D-GA-5] (D-GA), 2025-06-26T00:00:00.000Z - Rep. Ramirez, Delia C. [D-IL-3] (D-IL), 2025-06-26T00:00:00.000Z - Rep. Carson, André [D-IN-7] (D-IN), 2025-06-26T00:00:00.000Z - Rep. Pettersen, Brittany [D-CO-7] (D-CO), 2025-07-02T00:00:00.000Z - Rep. Vargas, Juan [D-CA-52] (D-CA), 2025-07-02T00:00:00.000Z - Rep. Evans, Dwight [D-PA-3] (D-PA), 2025-07-02T00:00:00.000Z - Rep. Ansari, Yassamin [D-AZ-3] (D-AZ), 2025-07-22T00:00:00.000Z - Rep. Omar, Ilhan [D-MN-5] (D-MN), 2025-09-18T00:00:00.000Z - Rep. Magaziner, Seth [D-RI-2] (D-RI), 2025-10-17T00:00:00.000Z - Rep. Underwood, Lauren [D-IL-14] (D-IL), 2026-10-29T00:00:00.000Z - Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2026-03-26T00:00:00.000Z - Rep. Foushee, Valerie P. [D-NC-4] (D-NC), 2026-04-20T00:00:00.000Z - Rep. Grijalva, Adelita S. [D-AZ-7] (D-AZ), 2026-04-27T00:00:00.000Z - Rep. Randall, Emily [D-WA-6] (D-WA), 2026-06-03T00:00:00.000Z - Rep. Moulton, Seth [D-MA-6] (D-MA), 2026-07-22T00:00:00.000Z ## Provisions PRIA read - New grants for first-generation buyers: benefit, high. This bill would create HUD grants to help first‑generation buyers purchase a main home. It would authorize $100 billion and, after reserves, send 75% to states and 25% to local eligible groups. You could qualify if your income is at or below 120% of area median income (140% in high‑cost areas), and… - Fair selection and no hidden fees: benefit, medium. States and grantees would not be allowed to favor buyers who use state‑backed mortgages when choosing who gets help. They also could not claw back the assistance by charging higher prices or fees, except under the bill’s set recapture rules or if HUD allows it. - Live‑in rules and payback: cost, high. If enacted, you would have to repay part of the grant if you stop living in the home as your main residence before five years. The amount would shrink each year and be zero after five years. Repayment could be waived for hardship. It could also be waived if you sell within 60 months to a real buyer… - Oversight, data, and targeting rules: mixed, high. HUD would publish yearly reports on applicants and recipients, including race, ethnicity, gender, amounts of help, home details, and mortgage type, broken out by ZIP Code or census tract when possible. States and grantees would have to protect personal data and safeguard survivors’ confidentiality.… - Homebuyer counseling before you buy: mixed, low. You would need to finish HUD‑approved counseling before signing a purchase contract or applying for the loan to get help. Counseling could be in person, online, or by phone. If counseling is not available within 30 days, approved online education could be allowed. If you are denied a mortgage after… ## Related bills - 119-hr-7973: Momnibus Act - 119-hr-51: Washington, D.C. Admission Act - 119-hr-15: Equality Act - 119-hr-2743: Raise the Wage Act of 2025 - 119-hr-1810: Safe Schools Improvement Act - 119-hr-14: John R. Lewis Voting Rights Advancement Act of 2025 ## Sources - [119-hr-4069 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4069) ## Related - [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973) - [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51) - [119-hr-15: Equality Act](https://policyrisk.com/legislation/119-hr-15) - [119-hr-2743: Raise the Wage Act of 2025](https://policyrisk.com/legislation/119-hr-2743) - [119-hr-1810: Safe Schools Improvement Act](https://policyrisk.com/legislation/119-hr-1810) - [119-hr-14: John R. Lewis Voting Rights Advancement Act of 2025](https://policyrisk.com/legislation/119-hr-14) - [All bills in Congress](https://policyrisk.com/legislation) Source: PRIA, https://policyrisk.com/legislation/119-hr-4069 (as of 2026-10-31).