# 119-hr-6390: Make Housing Affordable and Defend Democracy Act

119-hr-6390, Make Housing Affordable and Defend Democracy Act, is a 119th Congress bill sponsored by Rep. Gomez, Jimmy [D-CA-34] (D-CA); status in_committee; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6390
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6390
- Congress: 119
- Title: Make Housing Affordable and Defend Democracy Act
- Status: in_committee
- Introduced: 2025-12-03
- Sponsor: Rep. Gomez, Jimmy [D-CA-34] (D-CA)
- Cosponsors: 79
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Housing tax incentives** would create a wide set of tax credits to help first‑time buyers, spur starter‑home construction, convert old buildings to affordable units, and add a renter credit while rescinding $175.7 billion in unobligated prior‑reconciliation border and enforcement funds. - Families and first‑time buyers: Would create a First‑Time Homebuyer Credit of up to $25,000, or $50,000 for qualifying first‑generation buyers. It allows advance payments and includes a five‑year recapture rule and a basis reduction. - Builders, developers, and Tribes: Would create a Starter Home Construction Credit generally equal to 15% of qualified construction costs and an Affordable Housing Conversion Credit to convert nonresidential buildings with a $12.0 billion national allocation cap. State and tribal allocation systems and transferability rules apply. - Renters and low‑income households: Would create a renter tax credit tied to small‑area fair market rents with an optional monthly advance payment and a $50 million IRS outreach fund to promote enrollment. *Would rescind $175.7 billion in unobligated prior‑reconciliation balances, reducing previously available border and enforcement funds by that amount.*

## Cosponsors (79)

- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-12-03T00:00:00.000Z
- Rep. Carter, Troy A. [D-LA-2] (D-LA), 2025-12-03T00:00:00.000Z
- Rep. Salinas, Andrea [D-OR-6] (D-OR), 2025-12-03T00:00:00.000Z
- Rep. Garcia, Robert [D-CA-42] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Thompson, Mike [D-CA-4] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. García, Jesús G. "Chuy" [D-IL-4] (D-IL), 2025-12-03T00:00:00.000Z
- Rep. Goldman, Daniel S. [D-NY-10] (D-NY), 2025-12-03T00:00:00.000Z
- Rep. Garcia, Sylvia R. [D-TX-29] (D-TX), 2025-12-03T00:00:00.000Z
- Rep. Cisneros, Gilbert Ray [D-CA-31] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Ansari, Yassamin [D-AZ-3] (D-AZ), 2025-12-03T00:00:00.000Z
- Rep. Ruiz, Raul [D-CA-25] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Rivas, Luz M. [D-CA-29] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2025-12-03T00:00:00.000Z
- Rep. Barragán, Nanette Diaz [D-CA-44] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Davis, Danny K. [D-IL-7] (D-IL), 2025-12-03T00:00:00.000Z
- Rep. Sánchez, Linda T. [D-CA-38] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Carson, André [D-IN-7] (D-IN), 2025-12-03T00:00:00.000Z
- Rep. Vargas, Juan [D-CA-52] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Chu, Judy [D-CA-28] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Matsui, Doris O. [D-CA-7] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Lieu, Ted [D-CA-36] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Wasserman Schultz, Debbie [D-FL-25] (D-FL), 2025-12-03T00:00:00.000Z
- Rep. Beatty, Joyce [D-OH-3] (D-OH), 2025-12-03T00:00:00.000Z
- Rep. Jackson, Jonathan L. [D-IL-1] (D-IL), 2025-12-03T00:00:00.000Z
- Rep. Jacobs, Sara [D-CA-51] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Deluzio, Christopher R. [D-PA-17] (D-PA), 2025-12-03T00:00:00.000Z
- Rep. Swalwell, Eric [D-CA-14] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Evans, Dwight [D-PA-3] (D-PA), 2025-12-03T00:00:00.000Z
- Rep. Liccardo, Sam T. [D-CA-16] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Simon, Lateefah [D-CA-12] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Lee, Summer L. [D-PA-12] (D-PA), 2025-12-03T00:00:00.000Z
- Rep. McGovern, James P. [D-MA-2] (D-MA), 2025-12-03T00:00:00.000Z
- Rep. Ramirez, Delia C. [D-IL-3] (D-IL), 2025-12-03T00:00:00.000Z
- Rep. Dexter, Maxine [D-OR-3] (D-OR), 2025-12-03T00:00:00.000Z
- Rep. Mullin, Kevin [D-CA-15] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Leger Fernandez, Teresa [D-NM-3] (D-NM), 2025-12-03T00:00:00.000Z
- Rep. McIver, LaMonica [D-NJ-10] (D-NJ), 2025-12-03T00:00:00.000Z
- Rep. Menendez, Robert [D-NJ-8] (D-NJ), 2025-12-03T00:00:00.000Z
- Rep. Krishnamoorthi, Raja [D-IL-8] (D-IL), 2025-12-03T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2025-12-03T00:00:00.000Z
- Rep. Titus, Dina [D-NV-1] (D-NV), 2025-12-03T00:00:00.000Z
- Rep. Randall, Emily [D-WA-6] (D-WA), 2025-12-03T00:00:00.000Z
- Rep. Veasey, Marc A. [D-TX-33] (D-TX), 2025-12-03T00:00:00.000Z
- Rep. Peters, Scott H. [D-CA-50] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Johnson, Henry C. "Hank" [D-GA-4] (D-GA), 2025-12-03T00:00:00.000Z
- Rep. Pocan, Mark [D-WI-2] (D-WI), 2025-12-03T00:00:00.000Z
- Rep. Nadler, Jerrold [D-NY-12] (D-NY), 2025-12-03T00:00:00.000Z
- Rep. Kelly, Robin L. [D-IL-2] (D-IL), 2025-12-03T00:00:00.000Z
- Rep. Boyle, Brendan F. [D-PA-2] (D-PA), 2025-12-03T00:00:00.000Z
- Rep. Dean, Madeleine [D-PA-4] (D-PA), 2025-12-03T00:00:00.000Z
- Rep. Kamlager-Dove, Sydney [D-CA-37] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Frost, Maxwell [D-FL-10] (D-FL), 2025-12-03T00:00:00.000Z
- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ), 2025-12-03T00:00:00.000Z
- Rep. Brownley, Julia [D-CA-26] (D-CA), 2025-12-03T00:00:00.000Z
- Rep. Latimer, George [D-NY-16] (D-NY), 2025-12-03T00:00:00.000Z
- Rep. Soto, Darren [D-FL-9] (D-FL), 2025-12-03T00:00:00.000Z
- Rep. Balint, Becca [D-VT-At Large] (D-VT), 2025-12-03T00:00:00.000Z
- Rep. McClain Delaney, April [D-MD-6] (D-MD), 2025-12-03T00:00:00.000Z
- Rep. Schakowsky, Janice D. [D-IL-9] (D-IL), 2025-12-03T00:00:00.000Z
- Rep. Larson, John B. [D-CT-1] (D-CT), 2025-12-05T00:00:00.000Z
- Rep. Subramanyam, Suhas [D-VA-10] (D-VA), 2026-01-12T00:00:00.000Z
- Rep. Tokuda, Jill N. [D-HI-2] (D-HI), 2026-01-13T00:00:00.000Z
- Rep. Jayapal, Pramila [D-WA-7] (D-WA), 2026-01-13T00:00:00.000Z
- Rep. Stansbury, Melanie A. [D-NM-1] (D-NM), 2026-01-13T00:00:00.000Z
- Del. Plaskett, Stacey E. [D-VI-At Large] (D-VI), 2026-01-14T00:00:00.000Z
- Rep. Omar, Ilhan [D-MN-5] (D-MN), 2026-01-16T00:00:00.000Z
- Rep. Garamendi, John [D-CA-8] (D-CA), 2026-01-16T00:00:00.000Z
- Rep. Wilson, Frederica S. [D-FL-24] (D-FL), 2026-01-16T00:00:00.000Z
- Rep. Clarke, Yvette D. [D-NY-9] (D-NY), 2026-01-21T00:00:00.000Z
- Rep. Foushee, Valerie P. [D-NC-4] (D-NC), 2026-01-22T00:00:00.000Z
- Rep. Huffman, Jared [D-CA-2] (D-CA), 2026-02-03T00:00:00.000Z
- Rep. Lofgren, Zoe [D-CA-18] (D-CA), 2026-02-03T00:00:00.000Z
- Rep. DeGette, Diana [D-CO-1] (D-CO), 2026-02-03T00:00:00.000Z
- Rep. Conaway, Herbert C. [D-NJ-3] (D-NJ), 2026-02-03T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2026-02-20T00:00:00.000Z
- Rep. Pallone, Frank [D-NJ-6] (D-NJ), 2026-02-20T00:00:00.000Z
- Rep. McClellan, Jennifer L. [D-VA-4] (D-VA), 2026-03-24T00:00:00.000Z

## Provisions PRIA read

- First-time homebuyer credit: benefit, high. This bill would create a refundable First-Time Homebuyer Credit for down payment and closing costs. You would be able to claim up to $25,000, or up to $50,000 if you qualify as a first‑generation homebuyer. Homes in FHFA high-cost areas would get an extra boost equal to 3.5% of the conforming-limit…
- Renter tax credit and advance: benefit, high. This bill would create a refundable Renter Tax Credit for rent above 30% of your adjusted gross income. The credit rate would be 100% if AGI ≤ $25,000, 75% for $25,001–$50,000, 50% for $50,001–$75,000, and 25% for $75,001–$100,000. Creditable rent would be capped at HUD small area fair market rent…
- Commercial-to-housing conversion credit: benefit, high. This bill would create an Affordable Housing Conversion Credit equal to 20% of qualified conversion expenditures for turning eligible commercial buildings into affordable rental housing. Conversions would generally need expenditures above the greater of 50% of the building's prior adjusted basis or…
- Extra LIHTC boost for very low-income units: benefit, high. This bill would let housing agencies treat the eligible basis for extremely low-income units as 150% of the normal basis when at least 20% of units serve households at or below the greater of 30% AMI or the poverty line. A housing credit agency must designate the boost is needed for project feasibi…
- Starter home builder credit: benefit, high. This bill would create a Starter Home Construction Credit for builders of small, lower-priced homes. The credit would be 15% of qualified labor and material costs, or 30% if the unit is sold to a first‑time homebuyer. Eligible units would be no larger than 1,200 square feet and sell for at most 80%…
- Rescind unobligated border funds: cost, high. This bill would permanently rescind $175.66 billion in previously appropriated but unobligated border and immigration funds. Major line items named include $46.55 billion for border infrastructure and wall systems, $45.00 billion for detention capacity, $29.85 billion for ICE hiring and training, a…

## Related bills

- 119-hr-51: Washington, D.C. Admission Act
- 119-hr-7973: Momnibus Act
- 119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025
- 119-hr-15: Equality Act
- 119-hr-1589: American Dream and Promise Act of 2025
- 119-hr-17: Paycheck Fairness Act

## Sources
- [119-hr-6390 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6390)

## Related
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025](https://policyrisk.com/legislation/119-hr-20)
- [119-hr-15: Equality Act](https://policyrisk.com/legislation/119-hr-15)
- [119-hr-1589: American Dream and Promise Act of 2025](https://policyrisk.com/legislation/119-hr-1589)
- [119-hr-17: Paycheck Fairness Act](https://policyrisk.com/legislation/119-hr-17)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6390 (as of 2026-09-21).