# 119-hr-6337: ROAD to Housing Act of 2025 119-hr-6337, ROAD to Housing Act of 2025, is a 119th Congress bill sponsored by Rep. McClain, Lisa C. [R-MI-9] (R-MI); status in_committee; PRIA reads it as touching household money (as of 2026-09-10). - Canonical: https://policyrisk.com/legislation/119-hr-6337 - As of: 2026-09-10 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: 119-hr-6337 - Congress: 119 - Title: ROAD to Housing Act of 2025 - Status: in_committee - Introduced: 2025-12-01 - Sponsor: Rep. McClain, Lisa C. [R-MI-9] (R-MI) - Cosponsors: 1 - Policy area: Housing and Community Development - Touches household money: yes - Last recorded action: 2026-09-10 ## Summary **expand housing supply and preserve affordable homes** through new grants, pilots, zoning guidance, and program reforms to speed repairs, boost production, and protect tenants and low-income households. - Low-income families and renters gain access to whole-home repair grants and targeted rehabilitation for households at or below 80% of area median income. An escrow pilot would let up to 5,000 assisted families build savings from earned-income rent increases. - Homeowners and small landlords can get grants or loans for repairs and rehabilitation, with some landlord loans forgivable after 3 years when units remain affordable. Landlord recipients face requirements like documentation of habitability and caps on annual rent increases of 5% or inflation for at least 3 years. - Local governments, tribes, and builders get new tools and incentives to speed housing production, including HUD zoning guidance, pro-housing transit scoring, CDBG allocation adjustments tied to housing growth, and an Innovation Fund authorizing $200 million annually for FY2027–FY2031. ## Cosponsors (1) - Rep. Himes, James A. [D-CT-4] (D-CT), 2025-12-01T00:00:00.000Z ## Provisions PRIA read - New long-term disaster recovery fund: benefit, high. If enacted, HUD would create an Office of Disaster Management and a Long-Term Disaster Recovery Fund for large recovery, mitigation, housing, and infrastructure grants. HUD could make preliminary grants up to $5 million and include up to an 18% mitigation add-on when estimating unmet needs. Grantee… - Federal tools to speed housing supply: benefit, high. If enacted, HUD would publish national guidance to help states and cities reform zoning within three years and run a multi-year Innovation Fund that gives at least 25 grants annually ($250,000–$10 million), authorized at $200 million per year for FY2027–FY2031 (CPI-adjusted). The bill would fund pa… - Make small mortgages easier to get: benefit, medium. If enacted, mortgages for 1–4 unit homes with original principal of $100,000 or less would be defined as "small-dollar mortgages." The Consumer Bureau would report within 270 days on how loan originator pay and fees affect these loans and could make rules afterward to clarify permissible pay. The B… - Exclude VA disability from HUD income: benefit, medium. If enacted, HUD would exclude VA disability benefits under chapter 11 or 15 of title 38 from income calculations for certain HUD supported-housing and rental-assistance eligibility and for HUD-assisted rentals on Department property built after enactment. The exclusion would not change the definiti… - Grants and loans for whole-home repairs: benefit, medium. If enacted, HUD must set up a pilot within one year that funds whole-home repairs with grants for eligible homeowners and loans (including forgivable loans for eligible small landlords). HUD would limit one implementer per State, allow up to 5% of funds for workforce training and 10% for admin, and… - Improve homeless intake and data: benefit, medium. If enacted, HUD would review and update how people get homelessness help. Within two years HUD would issue updated coordinated assessment guidance and request input from local continuums and health experts. HUD would ask for information to improve homeless data sharing (including HMIS) and could of… - Protect and preserve rural rental housing: benefit, medium. If enacted, USDA-backed rural rental housing would get new preservation tools. The bill would let the Secretary restructure loans, notify owners and tenants in advance of maturity, and renew rental assistance contracts up to 20 years in some cases. It would add authority to transfer projects to non… - Section 8 rent-escrow savings pilot: benefit, medium. If enacted, HUD would run an escrow pilot for Section 8 and Section 9 families. Up to 25 entities would be chosen and the pilot would cover up to 5,000 families whose adjusted income is 80% of AMI or less at enrollment. Rent increases caused by earned income while enrolled would go into interest-be… - More funding flexibility for homeless programs: benefit, medium. If enacted, Continuum of Care rules would allow up to six months of arrears payments, cap project terms at 15 years, and enable notices that fund two years at once when Congress appropriates the money. HUD could let Continuum recipients count eligible program income as required contributions, limit… - Changes to HUD voucher rules: benefit, low. If enacted, public housing agencies could accept a third-party income verification done for another Federal program within the past 12 months if household income and composition have not changed. The bill also clarifies how prior-year income is used for annual reviews. - Rural vouchers and income reviews: benefit, low. If enacted, monthly assistance payments for rural housing vouchers would be set under the statute's rules and be subject to interim and annual reviews. Voucher amounts could be recalculated when household size, income, or local rental rates change. - Raise bank statutory threshold: benefit, low. If enacted, two statutory banking sentences would replace the number 15 with 20. The text change would take effect upon enactment. The amendment is a technical increase to a numeric threshold in two federal banking sentences. - New appraisal review rights and forms: mixed, medium. If enacted, consumers could request one reconsideration of an appraisal before closing or within 60 days of a credit denial. Lenders would have to review appraisals, disclose the reconsideration process, and pay for a new appraisal if material deficiencies or suspected discrimination are found. The… - Easier loans for ADUs and manufactured homes: mixed, medium. If enacted, the bill would raise or set new FHA dollar caps for repairs and manufactured-home purchases. It would let FHA loans be used to build accessory dwelling units (ADUs) and allow USDA ADU rental income to help rural borrowers qualify when the property predates enactment. HUD would study and… - Limit MTW waivers and audits: mixed, medium. If enacted, HUD would be limited to using only the Moving to Work waivers listed as of January 2025 and a specific set of waiver numbers would be banned. The bill would also authorize funding for the Neighborhood Reinvestment Corporation's Office of Inspector General and require annual independent… - New Moving to Work cohort rules: mixed, medium. If enacted, HUD could add up to 25 high-performing housing agencies to new Moving to Work cohorts with rules to encourage employment and opt-out savings or escrow pilots. Selected PHAs must keep at least 75% of assisted families very low-income and follow selection caps and remediation rules. The S… - Stronger rules to preserve affordable housing: mixed, medium. If enacted, HUD would reauthorize HOME program flexibility, raise the HOME admin cap from 10% to 15%, and allow a Blighted Building to Housing pilot when HOME funding exceeds $1.35 billion. The bill would let community land trusts acquire HOME-assisted housing to keep it affordable for at least 30… - Incentives for housing and CDBG: mixed, medium. If enacted, transit projects could get up to one extra point on federal ratings if applicants show pro-housing policies near the route. HUD would also change Community Development Block Grant allocations based on local housing growth, with places below-median growth facing up to a 10% reduction and… - Study and cap FHA multifamily limits: mixed, medium. If enacted, the FHA Commissioner must study multifamily loan limits and report to Congress within 180 days. HUD could raise multifamily loan limits by rule but any increase could not exceed the bill's per-unit dollar caps for specified programs and bedroom counts. - Stronger housing counseling and help: mixed, low. If enacted, HUD would review housing counseling agencies and their counselors and could require extra training, retesting, probation, or suspension for poor performance. The bill would also require that borrowers 30 days or more behind on covered mortgages be offered counseling, and—when statutory… - New FHA appraiser licensing rules: mixed, low. If enacted, most appraisers doing FHA work would generally need to be licensed or certified in the State where a property is located. Federal appraisers who opt in could work nationwide with one State license. HUD must issue guidance within 240 days and make it effective within 180 days after issua… - More admin funding for homeless grants: mixed, low. If enacted, Emergency Solutions Grants recipients could use up to 10% of ESG funds for administrative costs instead of 7.5%. This would give grantees more flexibility to cover admin needs. It could change how much of ESG grants go to direct services. ## Related bills - 119-hr-4312: SCORE Act - 119-hr-6955: Main Street Capital Access Act - 119-hr-6363: Build Now Act of 2025 - 119-hr-2598: IDEA Full Funding Act - 119-hr-452: Miracle on Ice Congressional Gold Medal Act - 119-hr-3847: Student-athlete Protections and Opportunities through Rights, Transparency, and Safety Act ## Sources - [119-hr-6337 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6337) ## Related - [119-hr-4312: SCORE Act](https://policyrisk.com/legislation/119-hr-4312) - [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955) - [119-hr-6363: Build Now Act of 2025](https://policyrisk.com/legislation/119-hr-6363) - [119-hr-2598: IDEA Full Funding Act](https://policyrisk.com/legislation/119-hr-2598) - [119-hr-452: Miracle on Ice Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-452) - [119-hr-3847: Student-athlete Protections and Opportunities through Rights, Transparency, and…](https://policyrisk.com/legislation/119-hr-3847) - [All bills in Congress](https://policyrisk.com/legislation) Source: PRIA, https://policyrisk.com/legislation/119-hr-6337 (as of 2026-09-10).