# 119-hr-917: Mortgage Debt Tax Forgiveness Act of 2025

119-hr-917, Mortgage Debt Tax Forgiveness Act of 2025, is a 119th Congress bill sponsored by Rep. Brownley, Julia [D-CA-26] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-917
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-917
- Congress: 119
- Title: Mortgage Debt Tax Forgiveness Act of 2025
- Status: introduced
- Introduced: 2025-02-04
- Sponsor: Rep. Brownley, Julia [D-CA-26] (D-CA)
- Cosponsors: 0
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Permanent exclusion for forgiven mortgage debt.** This bill would make permanent the existing rule that keeps discharged qualified principal residence indebtedness out of gross income for debt forgiven after December 31, 2025. It preserves current eligibility rules and is not retroactive.

## Provisions PRIA read

- Permanent tax relief for forgiven mortgage debt: benefit, high. If enacted, homeowners could exclude forgiven mortgage debt on a main home from taxable income. This would apply to qualified principal residence debt discharged after December 31, 2025. It would not apply to debt forgiven before January 1, 2026. The bill would make this exclusion permanent under c…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-6900: American Affordability Act of 2025
- 119-hr-3077: Agriculture Resilience Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-6976: Duty Status Reform Act

## Sources
- [119-hr-917 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/917)

## 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-3077: Agriculture Resilience Act of 2025](https://policyrisk.com/legislation/119-hr-3077)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-6976: Duty Status Reform Act](https://policyrisk.com/legislation/119-hr-6976)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-917 (as of 2026-04-21).