# 119-hr-4856: Revitalizing America’s Housing Act

119-hr-4856, Revitalizing America’s Housing Act, is a 119th Congress bill sponsored by Rep. Lawler, Michael [R-NY-17] (R-NY); status in_committee; PRIA reads it as touching household money (as of 2026-09-04).

- Canonical: https://policyrisk.com/legislation/119-hr-4856
- As of: 2026-09-04
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-4856
- Congress: 119
- Title: Revitalizing America’s Housing Act
- Status: in_committee
- Introduced: 2025-08-01
- Sponsor: Rep. Lawler, Michael [R-NY-17] (R-NY)
- Cosponsors: 0
- Policy area: Housing and Community Development
- Touches household money: yes
- Last recorded action: 2026-09-04

## Summary

**Expand affordable housing supply through targeted tax incentives and program changes.** This bill would pair new and expanded tax tools with program rules and health and oversight requirements to push more housing development and protect residents.

## Provisions PRIA read

- Bigger home-sale tax exclusion: benefit, high. If enacted, the tax exclusion for selling your main home would rise to $500,000 for most filers. For married couples filing jointly it would be $1,000,000. For tax years after 2024 those amounts would be adjusted for inflation and rounded down to the nearest $100. The change would apply to sales af…
- Neighborhood Homes tax credit: benefit, high. If enacted, the bill would create a Neighborhood Homes tax credit for developers who build or rehab owner‑occupied homes sold at affordable prices. The credit equals the smallest of three tests, including up to 35% of eligible development costs or 28% of the national median new‑home price, with a p…
- Mold and lead protections: benefit, medium. If enacted, a federal research team would study indoor residential mold and report within three years. HUD must build a public mold map within one year using two years of inspection data and update it annually. EPA, HUD, and partners must start a public mold education campaign within one year. HUD…
- Housing help for first responders: benefit, medium. If enacted, verified volunteer first responders could deduct $18,000 from income when USDA determines eligibility for single‑family housing. Volunteer first responders who provide HUD verification would be treated like firefighters for discounted HUD home sales. The Good Neighbor program would open…
- Small-dollar mortgages and counseling: benefit, medium. If enacted, the bill would define a "small dollar mortgage" as a home loan of $70,000 or less and target rules to those loans. The CFPB would have 270 days to allow salaried loan originators for lenders making only those loans and 180 days to change points‑and‑fees limits to encourage more small‑lo…
- Land-use plans for HUD grants: benefit, medium. If enacted, recipients of certain HUD grants would need to have filed a land‑use plan within the last five years showing zoning or permitting steps to reduce barriers to affordable housing. The rule starts one year after enactment and filing would not bind how grant money is spent. State and local…
- More HUD oversight and reports: benefit, medium. If enacted, HUD leaders and program heads would testify to Congress each year and HUD would add new public reporting on regulatory barriers. The FHA must send monthly capital‑ratio reports to Congress and notify Congress if the fund falls below required levels. The Comptroller General would deliver…
- Opportunity Zone ordinary income rule: benefit, medium. If enacted, some ordinary income (not just capital gains) could be treated like capital gains for Opportunity Fund investments made after enactment. That would let more types of income qualify for the deferral and inclusion mechanics used by qualified opportunity funds. The change mainly matters to…
- Manufactured housing and energy rules: mixed, medium. If enacted, the statutory definition of manufactured housing would drop the phrase "built on a permanent chassis," and HUD must recommend new construction and safety standards within 90 days. The Energy Department would be barred from setting energy conservation standards for manufactured homes. Th…
- CDBG limits where squatting allowed: mixed, medium. If enacted, jurisdictions that permit "squatting" (living on property without permission for 14+ days and not paying rent) could be barred from receiving Community Development Block Grant money. HUD must publish a yearly list of barred jurisdictions and provide corrective actions. Federal mortgage…

## 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-4856 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4856)

## 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-4856 (as of 2026-09-04).