# 119-hr-918: Mortgage Insurance Tax Deduction Act of 2025

119-hr-918, Mortgage Insurance Tax Deduction 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-918
- 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-918
- Congress: 119
- Title: Mortgage Insurance Tax Deduction 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

**Makes the mortgage insurance premium tax deduction permanent.** This bill would amend section 163(h)(3)(E) of the Internal Revenue Code to remove the temporary limit so premiums paid or accrued after December 31, 2024 remain deductible.

## Provisions PRIA read

- Permanent mortgage insurance deduction for homeowners: benefit, high. This bill would make the tax deduction for mortgage insurance premiums permanent. You could deduct premiums you pay or accrue after December 31, 2024, if you qualify. You would need to pay mortgage insurance and meet the usual section 163(h)(3) rules. The bill would not change who qualifies or the…

## 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-918 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/918)

## 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-918 (as of 2026-04-21).