# 119-hr-9569: Making Condos Safer and Affordable Act of 2026

119-hr-9569, Making Condos Safer and Affordable Act of 2026, is a 119th Congress bill sponsored by Rep. Wasserman Schultz, Debbie [D-FL-25] (D-FL); status introduced; PRIA reads it as touching household money (as of 2026-07-15).

- Canonical: https://policyrisk.com/legislation/119-hr-9569
- As of: 2026-07-15
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9569
- Congress: 119
- Title: Making Condos Safer and Affordable Act of 2026
- Status: introduced
- Introduced: 2026-06-30
- Sponsor: Rep. Wasserman Schultz, Debbie [D-FL-25] (D-FL)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-07-15

## Summary

**Expands FHA mortgage insurance to finance condo repairs and owner assessments.** This bill would let HUD insure loans for rehabilitation, alteration, repair, improvement, or replacement of condominium common facilities and allow financing of non-regular unit-owner assessments and reserves through FHA programs. - Condo unit owners: Could roll special assessments or reserves for future repairs into FHA-backed 203(k) rehabilitation loans. The Secretary must count the greater of estimated rehab cost or post-rehab value when sizing the loan and the principal would be capped at 115% of the value after rehabilitation. - Condominium associations: Could get HUD-insured association mortgages to fund large common-area projects. Insured association loans could cover up to 90% of a project’s cost and the mortgage definition is expanded to include loans secured by future lien-based mandatory unit-owner payments. - Loan programs and rules: Title I Property Improvement loans would raise the single-loan cap from $25,000 to $55,000 and explicitly allow financing of condo non-regular assessments for common-system repairs. The bill requires HUD to index dollar limits annually to the CPI-U and to adopt streamlined verification, disbursement, and certification rules for rehab work.

## Cosponsors (1)

- Rep. Salazar, Maria Elvira [R-FL-27] (R-FL), 2026-06-30T00:00:00.000Z

## Provisions PRIA read

- Higher Title I loan limits for condos: benefit, high. If enacted, the Title I maximum loan amount in the affected category would increase from $25,000 to $55,000. You would be able to use Title I loans to finance a non-regular condo assessment for future common-area repairs. HUD would also be required to raise certain Title I dollar limits each year u…
- Use FHA 203(k) for condo assessments: benefit, high. If enacted, you would be able to use an FHA 203(k) loan to pay a non-regular condo assessment for common-area rehabilitation. You would also be able to use 203(k) funds to finance reserves for future project repairs. HUD would set the loan amount as the greater of the estimated rehab cost or HUD's…
- HUD mortgage insurance for condo repairs: benefit, medium. If enacted, the Secretary would be allowed to insure mortgages made to condominium associations to pay for rehabilitation, repair, or replacement of common systems and areas. The mortgage principal would not be allowed to exceed 90 percent of the project's rehabilitation cost. For this authority, '…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025
- 119-hr-7973: Momnibus Act
- 119-hr-6809: Alyssa’s Act of 2025

## Sources
- [119-hr-9569 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9569)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [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-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-6809: Alyssa’s Act of 2025](https://policyrisk.com/legislation/119-hr-6809)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9569 (as of 2026-07-15).