# 119-hr-9461: Working Families Home Construction Act of 2026

119-hr-9461, Working Families Home Construction Act of 2026, is a 119th Congress bill sponsored by Rep. Fitzgerald, Scott [R-WI-5] (R-WI); status introduced; PRIA reads it as touching household money (as of 2026-10-15).

- Canonical: https://policyrisk.com/legislation/119-hr-9461
- As of: 2026-10-15
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9461
- Congress: 119
- Title: Working Families Home Construction Act of 2026
- Status: introduced
- Introduced: 2026-06-25
- Sponsor: Rep. Fitzgerald, Scott [R-WI-5] (R-WI)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-15

## Summary

**Allow Fannie Mae and Freddie Mac to purchase and securitize qualifying construction loans** aimed at producing owner-occupied homes for moderate-income families. The bill would set loan size caps, require developer equity and local government support, and target buyers at 90% to 130% of area median income. - Homebuyers: Homes financed under this program must be sold to families earning between 90% and 130% of area median income and sales must include a recorded covenant requiring the purchaser to live in the unit for at least 1 year. - Builders and developers: Eligible loans may cover land, infrastructure, construction, fees, and certain developer incentives. Loans are capped at $100,000 per dwelling unit and $2.4 million per project and require the borrower to contribute at least 10% of project capital. - Enterprises and regulator: The Federal Housing Finance Agency Director could permit the enterprises to buy these loans. Freddie Mac and Fannie Mae would set aside 22% of specified amounts for this purpose while related allocation lines are reduced to 53% and 25%.

## Cosponsors (1)

- Rep. Lawler, Michael [R-NY-17] (R-NY), 2026-10-13T00:00:00.000Z

## Provisions PRIA read

- Supplemental loans for middle-income homes: mixed, medium. If enacted, the bill would let the FHFA allow Fannie Mae and Freddie Mac to buy and bundle special construction loans. Each qualifying loan would be limited to $100,000 per dwelling unit and $2,400,000 per project, and would be treated as supplemental financing. Homes built with this money would ha…
- New funding split for Fannie and Freddie: mixed, medium. If enacted, the bill would change how certain Fannie Mae and Freddie Mac funds are split. A new 22% share of the specified enterprise amounts would be allocated to buy and securitize qualifying construction loans under this Act. The other two shares in the statute would change from 65% and 35% to 5…

## Related bills

- 119-hr-9237: Take Care of America’s Veterans Act
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-2570: Maximum Pressure Act
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-6766: Essential Caregivers Act of 2025

## Sources
- [119-hr-9461 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9461)

## Related
- [119-hr-9237: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-hr-9237)
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-6766: Essential Caregivers Act of 2025](https://policyrisk.com/legislation/119-hr-6766)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9461 (as of 2026-10-15).