# 119-s-2719: LIFT Homebuyers Act of 2025

119-s-2719, LIFT Homebuyers Act of 2025, is a 119th Congress bill sponsored by Sen. Warner, Mark R. [D-VA] (D-VA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-2719
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2719
- Congress: 119
- Title: LIFT Homebuyers Act of 2025
- Status: introduced
- Introduced: 2025-09-04
- Sponsor: Sen. Warner, Mark R. [D-VA] (D-VA)
- Cosponsors: 3
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Expand access to affordable, long-term, fixed-rate mortgages for low- and moderate-income, first-time, and first-generation buyers.** The LIFT Homebuyers Act of 2025 would create a government-wide program and LIFT HOME Funds at the Federal Housing Administration and the USDA Rural Housing Service to back, securitize, and subsidize these loans. It would let the Treasury buy securities backed by covered mortgages, let the Government National Mortgage Association guarantee those securities, and set pricing to keep monthly payments around 100% to 110% of comparable new 30-year loans. - Homebuyers and families: Eligible buyers include first-time and first-generation purchasers. HUD eligibility would reach incomes up to 120% of area median income, or 140% in high-cost areas, and loans would typically use a 20-year fixed term with mortgage insurance or guarantee fees capped around 4%. - Federal agencies and markets: HUD, USDA, GNMA, and Treasury would coordinate pricing, guarantees, and securitization to build liquidity. Treasury could buy and sell securities, transfer funds to cover purchases or losses, and reimburse designated financial institutions for agent duties. - Lenders and borrowers: The program requires only borrower attestations for eligibility and shields creditors who rely in good faith on those attestations from penalties. The act also authorizes the appropriations needed to run the program.

## Cosponsors (3)

- Sen. Van Hollen, Chris [D-MD] (D-MD), 2025-09-04T00:00:00.000Z
- Sen. Kaine, Tim [D-VA] (D-VA), 2025-09-04T00:00:00.000Z
- Sen. Kim, Andy [D-NJ] (D-NJ), 2025-09-04T00:00:00.000Z

## Provisions PRIA read

- New national homebuyer loan program: benefit, high. If enacted, this would create a LIFT HOME mortgage program to help eligible first-time and first-generation buyers. The program would apply to mortgages with case numbers issued on or before December 31, 2027. Each agency would get a LIFT HOME Fund and Congress could appropriate such sums as may be…
- Who can use the LIFT HOME program: benefit, medium. If enacted, HUD applicants would qualify if household income is at or below 120% of area median income. In high-cost areas the limit would be 140% of AMI. You would need to meet the program's first-time and first-generation rules. Ownership of heir property would not count as prior ownership for fi…
- Loan fees, payment caps, and waivers: mixed, high. If enacted, covered loans' monthly principal and interest payments would have to be between 100% and 110% of a comparable new 30-year loan payment. HUD-covered loans would have mortgage insurance premiums capped at 4% of the loan balance. USDA-covered loans would have a loan guarantee fee capped at…

## Related bills

- 119-s-2763: Keep Billionaires Out of Social Security Act
- 119-s-51: Washington, D.C. Admission Act
- 119-s-5108: Right to IVF Act of 2026
- 119-s-1503: Equality Act
- 119-s-1748: Kids Online Safety Act
- 119-s-2150: Women’s Health Protection Act of 2025

## Sources
- [119-s-2719 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2719)

## Related
- [119-s-2763: Keep Billionaires Out of Social Security Act](https://policyrisk.com/legislation/119-s-2763)
- [119-s-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-s-51)
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [119-s-1503: Equality Act](https://policyrisk.com/legislation/119-s-1503)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-2150: Women’s Health Protection Act of 2025](https://policyrisk.com/legislation/119-s-2150)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2719 (as of 2026-04-21).