# 119-hr-6132: Housing Affordability Act

119-hr-6132, Housing Affordability Act, is a 119th Congress bill sponsored by Rep. De La Cruz, Monica [R-TX-15] (R-TX); status introduced; PRIA reads it as touching household money (as of 2026-09-20).

- Canonical: https://policyrisk.com/legislation/119-hr-6132
- As of: 2026-09-20
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6132
- Congress: 119
- Title: Housing Affordability Act
- Status: introduced
- Introduced: 2025-11-19
- Sponsor: Rep. De La Cruz, Monica [R-TX-15] (R-TX)
- Cosponsors: 3
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-20

## Summary

**This bill would create an automatic annual adjustment for multifamily loan limits under Title II of the National Housing Act.** It would start on January 1, 2026 and link the adjustment to the Price Deflator Index of Multifamily Residential Units Under Construction. - Multifamily borrowers and developers: Loan-amount figures and statutory loan thresholds would be recalculated each year using that construction price index, changing how multifamily loan limits move over time. - Program administrators and lenders: Adjusted dollar amounts must be published in the Federal Register and rounded down to the next lower dollar. - Program calculations and statutory thresholds: The bill rescinds a per-space cap of $17,460 per space and updates multiple monetary thresholds across several sections of the National Housing Act.

## Cosponsors (3)

- Rep. Torres, Ritchie [D-NY-15] (D-NY), 2025-11-19T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-12-03T00:00:00.000Z
- Rep. Bera, Ami [D-CA-6] (D-CA), 2026-03-24T00:00:00.000Z

## Provisions PRIA read

- Annual updates to apartment loan limits: benefit, medium. If enacted, starting January 1, 2026, the government would adjust these multifamily dollar limits every year. The change would match the March‑to‑March move in a multifamily construction price index. The Secretary would publish the new figures in the Federal Register. Each adjusted amount would be…
- Bigger loan limits for apartments: benefit, medium. If enacted, the bill would raise many dollar amounts used to size federally insured mortgages for apartment buildings. Examples: $38,025 would rise to $167,310 and $70,200 would rise to $308,880. It would also remove a per‑space cap of $17,460. These higher figures would apply as soon as the bill b…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act

## Sources
- [119-hr-6132 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6132)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [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-6132 (as of 2026-09-20).