# 119-hr-4479: To amend the National Housing Act to direct the Secretary of Housing and Urban Development to establish a program to insure certain second liens secured against property for the purpose of financing the construction of an accessory dwelling unit, and for other purposes.

119-hr-4479, To amend the National Housing Act to direct the Secretary of Housing and Urban Development to establish a program to insure certain second liens secured against property for the purpose of financing the construction of an accessory dwelling unit, and for other purposes., is a 119th Congress bill sponsored by Rep. Liccardo, Sam T. [D-CA-16] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-4479
- 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-4479
- Congress: 119
- Title: To amend the National Housing Act to direct the Secretary of Housing and Urban Development to establish a program to insure certain second liens secured against property for the purpose of financing the construction of an accessory dwelling unit, and for other purposes.
- Status: introduced
- Introduced: 2025-07-17
- Sponsor: Rep. Liccardo, Sam T. [D-CA-16] (D-CA)
- Cosponsors: 16
- Policy area: Housing and Community Development
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Federal ADU second-lien insurance program.** This bill would create a program to insure certain second liens used to finance accessory dwelling unit construction, with loan-size limits and a premium cap. - Homeowners and families: Would let owner-occupants obtain insured second liens to add or convert ADUs. The maximum insured loan is the lesser of 30% of the one-unit loan limit or, when combined with other loans, up to 100% of the property’s projected value after ADU construction. - Borrowers: Must certify they own the property and apply for insurance. The Secretary would set a premium that may not exceed 1% per year of the insured principal. - Lenders and the secondary market: The Federal Housing Finance Agency director could permit Fannie Mae and Freddie Mac to purchase and securitize these insured loans unless doing so would pose excessive market risk. The Secretary and the FHFA must report annually to Congress on program activity.

## Cosponsors (16)

- Rep. Cleaver, Emanuel [D-MO-5] (D-MO), 2025-07-17T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-07-17T00:00:00.000Z
- Rep. Thompson, Mike [D-CA-4] (D-CA), 2025-07-17T00:00:00.000Z
- Rep. Ruiz, Raul [D-CA-25] (D-CA), 2025-07-17T00:00:00.000Z
- Rep. Soto, Darren [D-FL-9] (D-FL), 2025-07-17T00:00:00.000Z
- Rep. Peters, Scott H. [D-CA-50] (D-CA), 2025-07-17T00:00:00.000Z
- Rep. Garamendi, John [D-CA-8] (D-CA), 2025-07-17T00:00:00.000Z
- Rep. Swalwell, Eric [D-CA-14] (D-CA), 2025-07-17T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-07-17T00:00:00.000Z
- Rep. Goodlander, Maggie [D-NH-2] (D-NH), 2025-07-17T00:00:00.000Z
- Rep. Fields, Cleo [D-LA-6] (D-LA), 2025-07-17T00:00:00.000Z
- Rep. Elfreth, Sarah [D-MD-3] (D-MD), 2025-07-17T00:00:00.000Z
- Rep. Gray, Adam [D-CA-13] (D-CA), 2025-07-17T00:00:00.000Z
- Rep. Cisneros, Gilbert Ray [D-CA-31] (D-CA), 2025-07-17T00:00:00.000Z
- Rep. Stanton, Greg [D-AZ-4] (D-AZ), 2025-07-17T00:00:00.000Z
- Rep. Harder, Josh [D-CA-9] (D-CA), 2025-07-17T00:00:00.000Z

## Provisions PRIA read

- HUD-insured second loans to build ADUs: benefit, high. If enacted, HUD would create within 2 years a program to insure second-lien loans to build accessory dwelling units (ADUs) that include a kitchen, sleeping area, and bath on a single-family property. You would need to own the property and apply under HUD's rules. The insured amount would be the sma…
- Fannie and Freddie could buy ADU loans: mixed, medium. If enacted, the FHFA Director would allow Fannie Mae and Freddie Mac to buy and securitize HUD‑insured ADU second‑lien loans. The Director could stop these purchases if they pose excessive, unfixable risk to the lending market, starting when Congress is notified in writing. FHFA would report on the…

## Related bills

- 119-hr-7973: Momnibus Act
- 119-hr-15: Equality Act
- 119-hr-1589: American Dream and Promise Act of 2025
- 119-hr-17: Paycheck Fairness Act
- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act

## Sources
- [119-hr-4479 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4479)

## Related
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-15: Equality Act](https://policyrisk.com/legislation/119-hr-15)
- [119-hr-1589: American Dream and Promise Act of 2025](https://policyrisk.com/legislation/119-hr-1589)
- [119-hr-17: Paycheck Fairness Act](https://policyrisk.com/legislation/119-hr-17)
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4479 (as of 2026-04-21).