PRIA Logo™
119-hr-6720119th CongressWALLET

FARM Home Loans Act of 2025

Sponsored By: Representative McDonald Rivet, Kristen [D-MI-8]

In Committee

Summary

This bill would expand access to rural home loans by explicitly covering accessory dwelling units and by raising the population limit used to define "rural" from 2,500 to 10,000. The FARM Home Loans Act of 2025 would amend the Farm Credit Act to list accessory dwelling units as appurtenances and to widen the towns and communities that count as rural for Farm Credit lending. That change would let more homeowners and local lenders in small towns seek Farm Credit financing.

Personalized for You

How does this bill affect your finances?

Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.

Free to download

Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Accessory dwelling units counted for rural loans

If enacted, this bill would count accessory dwelling units (ADUs) as appurtenances under Section 1.11(b) of the Farm Credit Act of 1971. It would also change the numeric figure in paragraph (3) from 2,500 to 10,000. This would only matter if your property or Farm Credit loan is governed by that subsection. The text gives no effective date, implementing rules, or direct dollar amounts.

Sponsors & CoSponsors

Sponsor

McDonald Rivet, Kristen [D-MI-8]

MI • D

Cosponsors

  • Rep. Huizenga, Bill [R-MI-4]

    MI • R

    Sponsored 12/15/2025

  • Rep. Riley, Josh [D-NY-19]

    NY • D

    Sponsored 12/15/2025

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov
Back to Legislation