# 119-hr-8092: Native American Housing Assistance and Self-Determination Modernization Act of 2026

119-hr-8092, Native American Housing Assistance and Self-Determination Modernization Act of 2026, is a 119th Congress bill sponsored by Rep. Downing, Troy [R-MT-2] (R-MT); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-8092
- 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-8092
- Congress: 119
- Title: Native American Housing Assistance and Self-Determination Modernization Act of 2026
- Status: introduced
- Introduced: 2026-03-26
- Sponsor: Rep. Downing, Troy [R-MT-2] (R-MT)
- Cosponsors: 50
- Policy area: Native Americans
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Reauthorizes and modernizes the Native American Housing Assistance and Self-Determination Act (NAHASDA).** It would extend authorizations through fiscal years 2026–2032 and would expand homeownership, add student housing, streamline environmental and cost rules, and widen mortgage guarantees and tribal flexibilities. - Families and renters: Would allow conversion of rental units to homeownership or lease-to-own for current tenants and would explicitly make college and student housing eligible under NAHASDA. - Tribal governments and tribally designated housing entities (TDHEs): Would expand eligibility for community-based development and housing counseling grants, increase tribal waiver and exemption authority in Continuum of Care programs, and change leaseholds on trust or restricted land to 99 years. - Lenders and borrowers: Would let the Secretary guarantee up to 100 percent of unpaid principal and interest, create a direct endorsement path for qualifying lenders with oversight and termination authority for high-risk mortgagees, and codify a 40-year loan term cap with limited exceptions.

## Cosponsors (50)

- Rep. Bynum, Janelle S. [D-OR-5] (D-OR), 2026-03-26T00:00:00.000Z
- Rep. Cole, Tom [R-OK-4] (R-OK), 2026-03-26T00:00:00.000Z
- Rep. Lucas, Frank D. [R-OK-3] (R-OK), 2026-03-26T00:00:00.000Z
- Rep. Huizenga, Bill [R-MI-4] (R-MI), 2026-03-26T00:00:00.000Z
- Rep. Wagner, Ann [R-MO-2] (R-MO), 2026-03-26T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2026-03-26T00:00:00.000Z
- Rep. Haridopolos, Mike [R-FL-8] (R-FL), 2026-03-26T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2026-03-26T00:00:00.000Z
- Rep. De La Cruz, Monica [R-TX-15] (R-TX), 2026-03-26T00:00:00.000Z
- Rep. Barr, Andy [R-KY-6] (R-KY), 2026-03-26T00:00:00.000Z
- Rep. Steil, Bryan [R-WI-1] (R-WI), 2026-03-26T00:00:00.000Z
- Rep. Davidson, Warren [R-OH-8] (R-OH), 2026-03-26T00:00:00.000Z
- Rep. Stutzman, Marlin A. [R-IN-3] (R-IN), 2026-03-26T00:00:00.000Z
- Rep. Loudermilk, Barry [R-GA-11] (R-GA), 2026-03-26T00:00:00.000Z
- Rep. Zinke, Ryan K. [R-MT-1] (R-MT), 2026-03-26T00:00:00.000Z
- Rep. Bacon, Don [R-NE-2] (R-NE), 2026-03-26T00:00:00.000Z
- Rep. Fleischmann, Charles J. "Chuck" [R-TN-3] (R-TN), 2026-03-26T00:00:00.000Z
- Rep. Johnson, Dusty [R-SD-At Large] (R-SD), 2026-03-26T00:00:00.000Z
- Rep. Fedorchak, Julie [R-ND-At Large] (R-ND), 2026-03-26T00:00:00.000Z
- Rep. Simpson, Michael K. [R-ID-2] (R-ID), 2026-03-26T00:00:00.000Z
- Rep. Liccardo, Sam T. [D-CA-16] (D-CA), 2026-03-26T00:00:00.000Z
- Rep. Moore, Gwen [D-WI-4] (D-WI), 2026-03-26T00:00:00.000Z
- Rep. Davids, Sharice [D-KS-3] (D-KS), 2026-03-26T00:00:00.000Z
- Rep. Craig, Angie [D-MN-2] (D-MN), 2026-03-26T00:00:00.000Z
- Rep. Davis, Donald G. [D-NC-1] (D-NC), 2026-03-26T00:00:00.000Z
- Rep. Vasquez, Gabe [D-NM-2] (D-NM), 2026-03-26T00:00:00.000Z
- Rep. Larsen, Rick [D-WA-2] (D-WA), 2026-03-26T00:00:00.000Z
- Rep. Stanton, Greg [D-AZ-4] (D-AZ), 2026-03-26T00:00:00.000Z
- Rep. Keating, William R. [D-MA-9] (D-MA), 2026-03-26T00:00:00.000Z
- Rep. Leger Fernandez, Teresa [D-NM-3] (D-NM), 2026-03-26T00:00:00.000Z
- Rep. Pingree, Chellie [D-ME-1] (D-ME), 2026-03-26T00:00:00.000Z
- Rep. Stansbury, Melanie A. [D-NM-1] (D-NM), 2026-03-26T00:00:00.000Z
- Rep. Bentz, Cliff [R-OR-2] (R-OR), 2026-03-26T00:00:00.000Z
- Rep. Nunn, Zachary [R-IA-3] (R-IA), 2026-03-26T00:00:00.000Z
- Rep. Gonzalez, Vicente [D-TX-34] (D-TX), 2026-03-27T00:00:00.000Z
- Rep. Tokuda, Jill N. [D-HI-2] (D-HI), 2026-04-06T00:00:00.000Z
- Rep. Bice, Stephanie I. [R-OK-5] (R-OK), 2026-04-09T00:00:00.000Z
- Rep. Hurd, Jeff [R-CO-3] (R-CO), 2026-04-09T00:00:00.000Z
- Rep. Case, Ed [D-HI-1] (D-HI), 2026-04-14T00:00:00.000Z
- Rep. Garbarino, Andrew R. [R-NY-2] (R-NY), 2026-04-15T00:00:00.000Z
- Rep. Flood, Mike [R-NE-1] (R-NE), 2026-04-20T00:00:00.000Z
- Rep. Ruiz, Raul [D-CA-25] (D-CA), 2026-04-22T00:00:00.000Z
- Rep. Tran, Derek [D-CA-45] (D-CA), 2026-04-27T00:00:00.000Z
- Rep. Timmons, William R. [R-SC-4] (R-SC), 2026-05-13T00:00:00.000Z
- Rep. Moore, Tim [R-NC-14] (R-NC), 2026-06-02T00:00:00.000Z
- Rep. Grijalva, Adelita S. [D-AZ-7] (D-AZ), 2026-06-02T00:00:00.000Z
- Rep. Wittman, Robert J. [R-VA-1] (R-VA), 2026-06-18T00:00:00.000Z
- Rep. Hayes, Jahana [D-CT-5] (D-CT), 2026-06-29T00:00:00.000Z
- Rep. Horsford, Steven [D-NV-4] (D-NV), 2026-08-06T00:00:00.000Z
- Rep. Lofgren, Zoe [D-CA-18] (D-CA), 2026-08-31T00:00:00.000Z

## Provisions PRIA read

- Stronger tribal mortgage guarantees: mixed, high. This bill would expand loan guarantees for Indian and Native Hawaiian borrowers. The Secretary would be able to guarantee up to 100 percent of unpaid principal and interest on eligible 1–4 family loans. It would create a direct endorsement path letting qualified lenders endorse loans and allow dele…
- Tribal homeless aid and special rules: mixed, medium. If enacted, Continuum of Care rules would explicitly include Indian Tribes and tribally designated housing entities as eligible applicants. Collaborative applicants that serve only reservation or trust land could skip a consolidated plan. Projects on reservations or trust land must certify consiste…
- Tribal housing control and ownership paths: mixed, medium. If enacted, NAHASDA and Native Hawaiian housing programs would be reauthorized for FY2026–FY2032. Tribes and TDHEs could set written, public rent and homebuyer payment rules for units they own or operate. Current rental families in NAHASDA-assisted units could be allowed to buy or lease‑purchase th…
- Faster, cheaper tribal housing construction: mixed, medium. The bill would streamline environmental and construction rules for tribal housing projects. It would define Total Development Cost (TDC) and base it on a moderately designed house averaged from at least two national cost indexes. The Secretary must act on requests to exceed TDC by more than 10% wit…

## Related bills

- 119-hr-2102: Major Richard Star Act
- 119-hr-979: AM Radio for Every Vehicle Act of 2025
- 119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act
- 119-hr-9250: Great American Outdoors Act 250
- 119-hr-452: Miracle on Ice Congressional Gold Medal Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act

## Sources
- [119-hr-8092 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/8092)

## Related
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-979: AM Radio for Every Vehicle Act of 2025](https://policyrisk.com/legislation/119-hr-979)
- [119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act](https://policyrisk.com/legislation/119-hr-4382)
- [119-hr-9250: Great American Outdoors Act 250](https://policyrisk.com/legislation/119-hr-9250)
- [119-hr-452: Miracle on Ice Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-452)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
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Source: PRIA, https://policyrisk.com/legislation/119-hr-8092 (as of 2026-09-21).