# 119-hr-6720: FARM Home Loans Act of 2025

119-hr-6720, FARM Home Loans Act of 2025, is a 119th Congress bill sponsored by Rep. McDonald Rivet, Kristen [D-MI-8] (D-MI); status in_committee; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6720
- 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-6720
- Congress: 119
- Title: FARM Home Loans Act of 2025
- Status: in_committee
- Introduced: 2025-12-15
- Sponsor: Rep. McDonald Rivet, Kristen [D-MI-8] (D-MI)
- Cosponsors: 2
- Policy area: Agriculture and Food
- Touches household money: yes
- Last recorded action: 2026-09-21

## 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.

## Cosponsors (2)

- Rep. Huizenga, Bill [R-MI-4] (R-MI), 2025-12-15T00:00:00.000Z
- Rep. Riley, Josh [D-NY-19] (D-NY), 2025-12-15T00:00:00.000Z

## Provisions PRIA read

- Accessory dwelling units counted for rural loans: benefit, low. 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 sub…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-6900: American Affordability Act of 2025
- 119-hr-7973: Momnibus Act
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-4669: FEMA Act of 2025
- 119-hr-3633: Digital Asset Market Clarity Act

## Sources
- [119-hr-6720 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6720)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-6900: American Affordability Act of 2025](https://policyrisk.com/legislation/119-hr-6900)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-3633: Digital Asset Market Clarity Act](https://policyrisk.com/legislation/119-hr-3633)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6720 (as of 2026-09-21).