# 119-hr-9555: Home Mortgage Interest Credit Act of 2026

119-hr-9555, Home Mortgage Interest Credit Act of 2026, is a 119th Congress bill sponsored by Rep. Latimer, George [D-NY-16] (D-NY); status introduced; PRIA reads it as touching household money (as of 2026-07-18).

- Canonical: https://policyrisk.com/legislation/119-hr-9555
- As of: 2026-07-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9555
- Congress: 119
- Title: Home Mortgage Interest Credit Act of 2026
- Status: introduced
- Introduced: 2026-06-30
- Sponsor: Rep. Latimer, George [D-NY-16] (D-NY)
- Cosponsors: 0
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-07-18

## Summary

**Would create a new tax credit for mortgage interest on a taxpayer's principal residence.** It would let eligible homeowners claim a credit for qualified mortgage interest instead of deducting that same interest. - Homeowners: Eligible taxpayers could claim a credit for qualified mortgage interest on their primary home capped at $2,000 per year. - Married filers: Married individuals filing separate returns would be limited to $1,000 each. - Higher-income households: The credit phases out as income rises, with thresholds ranging from $150,000 for single filers up to $300,000 for joint filers. - Co‑owners: Two or more unmarried owners who share a home split the credit and the total for that residence cannot exceed $2,000. - Nonresident aliens: Nonresident aliens would not be eligible for the credit. - Tax treatment: You could not both take a deduction and claim this credit for the same mortgage interest.

## Provisions PRIA read

- Refundable mortgage interest credit: mixed, high. If enacted, you would be able to claim a refundable tax credit for mortgage interest on your main home. The credit would equal the qualified residence interest you paid, up to $2,000 per taxpayer each year ($1,000 if married filing separately). The credit would be reduced by $20 for every $1,000 (o…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026
- 119-hr-7973: Momnibus Act
- 119-hr-5356: National Infrastructure Bank Act of 2025
- 119-hr-2913: Ukraine Support Act

## Sources
- [119-hr-9555 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9555)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-5356: National Infrastructure Bank Act of 2025](https://policyrisk.com/legislation/119-hr-5356)
- [119-hr-2913: Ukraine Support Act](https://policyrisk.com/legislation/119-hr-2913)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9555 (as of 2026-07-18).