# 119-hr-4957: Rural Housing Service Reform Act of 2025

119-hr-4957, Rural Housing Service Reform Act of 2025, is a 119th Congress bill sponsored by Rep. Nunn, Zachary [R-IA-3] (R-IA); status introduced; PRIA reads it as touching household money (as of 2026-10-22).

- Canonical: https://policyrisk.com/legislation/119-hr-4957
- As of: 2026-10-22
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-4957
- Congress: 119
- Title: Rural Housing Service Reform Act of 2025
- Status: introduced
- Introduced: 2025-08-12
- Sponsor: Rep. Nunn, Zachary [R-IA-3] (R-IA)
- Cosponsors: 12
- Policy area: Housing and Community Development
- Touches household money: yes
- Last recorded action: 2026-10-22

## Summary

**This bill would focus on preserving and reviving affordable rural housing by expanding tenant protections, creating new preservation tools, and boosting capacity for rural communities.** - Families and renters: Would preserve rental assistance payments during multifamily foreclosure and allow renewal of rental assistance for restructured loans for up to 20 years. Expands voucher eligibility to households from prepaid, foreclosed, or matured 514/515/516 projects and caps voucher income eligibility at 80% of area median income. - Nonprofit and public housing purchasers: Would create a new Section 515 transfer pathway that lets qualified nonprofits or public bodies acquire 515-financed properties without completing rehab at purchase if they commit to long-term use restrictions and to complete needed rehabilitation during ownership. - Rural homeowners, providers, and communities: Would let the USDA refinance or modify Section 502 loans so total terms do not exceed 40 years and would relieve original borrowers of liability when an approved borrower assumes a guaranteed 502 loan. Establishes a Rural Community Development Initiative with grants up to $250,000 and allows matching waivers for persistently poor areas. The bill also authorizes discretionary staffing and IT funding and requires annual program reporting and a GAO technology review.

## Cosponsors (12)

- Rep. Cleaver, Emanuel [D-MO-5] (D-MO), 2025-08-12T00:00:00.000Z
- Rep. McClain, Lisa C. [R-MI-9] (R-MI), 2025-09-08T00:00:00.000Z
- Rep. Pettersen, Brittany [D-CO-7] (D-CO), 2025-09-08T00:00:00.000Z
- Rep. Stutzman, Marlin A. [R-IN-3] (R-IN), 2025-09-15T00:00:00.000Z
- Rep. Riley, Josh [D-NY-19] (D-NY), 2025-09-15T00:00:00.000Z
- Rep. Mann, Tracey [R-KS-1] (R-KS), 2025-10-03T00:00:00.000Z
- Rep. Davis, Donald G. [D-NC-1] (D-NC), 2025-10-03T00:00:00.000Z
- Rep. Fischbach, Michelle [R-MN-7] (R-MN), 2025-10-17T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-10-17T00:00:00.000Z
- Rep. Miller-Meeks, Mariannette [R-IA-1] (R-IA), 2025-12-18T00:00:00.000Z
- Rep. Neguse, Joe [D-CO-2] (D-CO), 2025-12-18T00:00:00.000Z
- Rep. Stauber, Pete [R-MN-8] (R-MN), 2026-05-19T00:00:00.000Z

## Provisions PRIA read

- More loan help for rural homeowners: benefit, high. If enacted, the max repair loan for low-income rural homeowners would rise from $7,500 to $15,000. At least 60% of these funds would be set aside for very low-income applicants. USDA could refinance or modify Section 502 home loans, as long as the new total term is no more than 40 years from the ch…
- Stronger protections for rural renters: benefit, high. If enacted, USDA would create a program to keep 514/515/516 rental homes affordable, funded for FY2026–FY2030, with admin costs capped at $1 million a year. Owners who restructure loans could get rental assistance renewed for up to 20 years, subject to yearly funding, if homes meet safe and decent…
- Rural housing grants and tech upgrades: benefit, medium. If enacted, USDA could award Rural Community Development Initiative grants up to $250,000 to intermediaries that help local groups with housing and community projects. Grantees would usually need to match the grant dollar for dollar, though USDA could waive the match in persistently poor rural regi…

## Related bills

- 119-hr-2102: Major Richard Star Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act
- 119-hr-6130: ASAP Act
- 119-hr-1502: North Platte Canteen Congressional Gold Medal Act

## Sources
- [119-hr-4957 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4957)

## Related
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act](https://policyrisk.com/legislation/119-hr-4382)
- [119-hr-6130: ASAP Act](https://policyrisk.com/legislation/119-hr-6130)
- [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-4957 (as of 2026-10-22).