# 119-hr-5728: Rural Homeownership Continuity Act of 2025

119-hr-5728, Rural Homeownership Continuity Act of 2025, is a 119th Congress bill sponsored by Rep. Costa, Jim [D-CA-21] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-5728
- 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-5728
- Congress: 119
- Title: Rural Homeownership Continuity Act of 2025
- Status: introduced
- Introduced: 2025-10-10
- Sponsor: Rep. Costa, Jim [D-CA-21] (D-CA)
- Cosponsors: 8
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Authorizes qualified individuals to assume existing USDA Section 502 guaranteed home loans when the property is transferred to them.** This bill would let a person who meets Section 502 eligibility take over a guaranteed loan tied to a transferred home instead of requiring a new loan. - Families and current borrowers: If the borrower transfers the property to the person who assumes the loan, the transferor and any co-borrower or guarantor would be relieved of liability on that guaranteed loan. - New owners who qualify: The transferee could assume the obligations, rights, and interests of the original guaranteed loan or accept other terms the Secretary of Agriculture sets. - Loan servicers: The Secretary may issue a rule allowing servicers of Section 502 guaranteed loans to charge borrowers fees for transaction costs. - Scope: The change would apply to loans guaranteed under Section 502 of the Housing Act of 1949 on or after enactment.

## Cosponsors (8)

- Rep. Bacon, Don [R-NE-2] (R-NE), 2025-10-10T00:00:00.000Z
- Rep. LaMalfa, Doug [R-CA-1] (R-CA), 2025-10-10T00:00:00.000Z
- Rep. Balint, Becca [D-VT-At Large] (D-VT), 2025-10-10T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-10-10T00:00:00.000Z
- Rep. Salinas, Andrea [D-OR-6] (D-OR), 2025-10-10T00:00:00.000Z
- Rep. Pettersen, Brittany [D-CO-7] (D-CO), 2025-10-10T00:00:00.000Z
- Rep. Beatty, Joyce [D-OH-3] (D-OH), 2025-10-10T00:00:00.000Z
- Rep. Valadao, David G. [R-CA-22] (R-CA), 2025-10-10T00:00:00.000Z

## Provisions PRIA read

- Possible new fees on USDA home loans: cost, low. If the Secretary of Agriculture issues a rule, servicers could charge borrowers fees for transaction costs on USDA Section 502 home loans. You would only pay these if you have a Section 502 guaranteed loan and the rule is in place. The bill does not set the fee amounts.
- Qualified buyers could assume USDA home loans: mixed, high. If enacted, qualified buyers could take over a current USDA-guaranteed rural home loan when the home is transferred to them. The seller and any co-borrower or guarantor would be released from liability once the loan is assumed. USDA would set the assumption terms, which could match the loan’s terms…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-979: AM Radio for Every Vehicle Act of 2025
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-1065: Protect Our Letter Carriers Act of 2025

## Sources
- [119-hr-5728 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/5728)

## Related
- [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)
- [119-hr-979: AM Radio for Every Vehicle Act of 2025](https://policyrisk.com/legislation/119-hr-979)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-1065: Protect Our Letter Carriers Act of 2025](https://policyrisk.com/legislation/119-hr-1065)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-5728 (as of 2026-04-21).