# 119-hr-7792: Property Improvement and Manufactured Housing Loan Modernization Act of 2026

119-hr-7792, Property Improvement and Manufactured Housing Loan Modernization Act of 2026, is a 119th Congress bill sponsored by Rep. Himes, James A. [D-CT-4] (D-CT); status introduced; PRIA reads it as touching household money (as of 2026-10-23).

- Canonical: https://policyrisk.com/legislation/119-hr-7792
- As of: 2026-10-23
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-7792
- Congress: 119
- Title: Property Improvement and Manufactured Housing Loan Modernization Act of 2026
- Status: introduced
- Introduced: 2026-03-04
- Sponsor: Rep. Himes, James A. [D-CT-4] (D-CT)
- Cosponsors: 3
- Policy area: Housing and Community Development
- Touches household money: yes
- Last recorded action: 2026-10-23

## Summary

**Raises and indexes federal loan limits for property improvements and manufactured housing.** This bill would expand what borrowers can finance, add a financing category for accessory dwelling units, and require HUD to study off-site construction methods. - Families and homeowners would be able to borrow more for repairs and home improvements, with a new cap of $75,000 for alterations and a dedicated financing path for accessory dwelling units. - Manufactured home buyers would see higher purchase limits, roughly $106,405 for single-section homes and $195,322 for multi-section homes, with larger limits when a developed lot is included. - Lenders, HUD, and developers would face an annual indexing regime for loan limits that HUD must pick within 1 year and an interim rule until then. Loan maturities would be capped by the Secretary, not to exceed 30 years, and HUD must study off-site construction cost and quality over a 40-year lifecycle.

## Cosponsors (3)

- Rep. Pappas, Chris [D-NH-1] (D-NH), 2026-03-04T00:00:00.000Z
- Rep. Harder, Josh [D-CA-9] (D-CA), 2026-03-04T00:00:00.000Z
- Rep. Liccardo, Sam T. [D-CA-16] (D-CA), 2026-03-04T00:00:00.000Z

## Provisions PRIA read

- Bigger FHA loans for home repairs and purchases: benefit, high. If enacted, FHA Title I loan caps would rise for many home work and purchases. Homeowners would be able to get loans up to $75,000 for repairs, alterations, and improvements. Certain caps would increase to $150,000 and $37,500 for the financing uses described in the bill. The bill would set fixed m…
- HUD control over limits, terms, and leases: mixed, medium. If enacted, HUD would pick an annual method to index these loan limits and must do so within 1 year. Until then, the old indexing method would remain in effect. The bill would let HUD set dollar limits by notice (not formal rulemaking) and periodically reset them using a pre-set methodology. HUD wo…

## Related bills

- 119-hr-7973: Momnibus Act
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-7853: PrEP Access and Coverage Act of 2026
- 119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025
- 119-hr-5390: FAMILY Act
- 119-hr-4206: CONNECT for Health Act of 2025

## Sources
- [119-hr-7792 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/7792)

## Related
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-7853: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-hr-7853)
- [119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025](https://policyrisk.com/legislation/119-hr-20)
- [119-hr-5390: FAMILY Act](https://policyrisk.com/legislation/119-hr-5390)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-7792 (as of 2026-10-23).