# 119-s-4182: FARM Home Loans Act of 2026

119-s-4182, FARM Home Loans Act of 2026, is a 119th Congress bill sponsored by Sen. Welch, Peter [D-VT] (D-VT); status introduced; PRIA reads it as touching household money (as of 2026-10-03).

- Canonical: https://policyrisk.com/legislation/119-s-4182
- As of: 2026-10-03
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-4182
- Congress: 119
- Title: FARM Home Loans Act of 2026
- Status: introduced
- Introduced: 2026-03-24
- Sponsor: Sen. Welch, Peter [D-VT] (D-VT)
- Cosponsors: 5
- Policy area: Agriculture and Food
- Touches household money: yes
- Last recorded action: 2026-10-03

## Summary

**Expands rural mortgage scope to include accessory dwelling units and larger communities.** This bill would amend Section 1.11(b) of the Farm Credit Act of 1971 to list accessory dwelling units as appurtenances and to raise the numeric population cutoff in that section from 2,500 to 10,000. - Rural homeowners would be able to count accessory dwelling units as appurtenances for loans governed by Section 1.11(b). - Communities with populations up to 10,000 would meet the higher numeric threshold in that section, widening the geographic areas the provision covers. - Lenders operating under the Farm Credit Act would apply the updated definitions when determining which properties qualify under Section 1.11(b).

## Cosponsors (5)

- Sen. Booker, Cory A. [D-NJ] (D-NJ), 2026-09-30T00:00:00.000Z
- Sen. Justice, James C. [R-WV] (R-WV), 2026-03-24T00:00:00.000Z
- Sen. Schiff, Adam B. [D-CA] (D-CA), 2026-03-24T00:00:00.000Z
- Sen. Hyde-Smith, Cindy [R-MS] (R-MS), 2026-03-24T00:00:00.000Z
- Sen. Scott, Rick [R-FL] (R-FL), 2026-04-20T00:00:00.000Z

## Provisions PRIA read

- More rural home loan access: benefit, medium. If enacted, the bill would let communities of up to 10,000 people (instead of 2,500) qualify for Farm Credit rural housing financing. It would also explicitly include accessory dwelling units (ADUs) as appurtenances. If your property and community meet those tests, homeowners or buyers would be abl…

## Related bills

- 119-s-5066: Health Equity and Accountability Act of 2026
- 119-s-1241: Sanctioning Russia Act of 2025
- 119-s-1816: Improving Seniors’ Timely Access to Care Act of 2025
- 119-s-3267: ASAP Act
- 119-s-1677: Ensuring Lasting Smiles Act
- 119-s-1032: Major Richard Star Act

## Sources
- [119-s-4182 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/4182)

## Related
- [119-s-5066: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-s-5066)
- [119-s-1241: Sanctioning Russia Act of 2025](https://policyrisk.com/legislation/119-s-1241)
- [119-s-1816: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-s-1816)
- [119-s-3267: ASAP Act](https://policyrisk.com/legislation/119-s-3267)
- [119-s-1677: Ensuring Lasting Smiles Act](https://policyrisk.com/legislation/119-s-1677)
- [119-s-1032: Major Richard Star Act](https://policyrisk.com/legislation/119-s-1032)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-4182 (as of 2026-10-03).