All Roll Calls
Yes: 141 • No: 28
UtahS.B. 2622025 General SessionSenateWALLET
Housing Affordability Modifications
Sponsored By: Lincoln Fillmore (Republican)
Signed by Governor
CountiesMortgage/Deed of TrustBusinessEconomic DevelopmentLand UseHousingDepartment of Workforce ServicesWorkforce ServicesMunicipalitiesPolitical Subdivisions (Local Issues)Independent EntitiesLocal Government OrdinancesPlanning and ZoningReal PropertyUtah Housing CorporationAffordable Housing
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Bill Overview
Analyzed Economic Effects
5 provisions identified: 4 benefits, 0 costs, 1 mixed.
Homebuyers get loans with shared gains
The law creates loans up to $150,000 for qualifying owner-occupied homes, run by Utah’s Department of Workforce Services. Loans charge no interest and require no fixed monthly payments, but repayment includes a share of the home’s price gains. That share cannot exceed the share of home value borrowed at the start. Loans sit behind an amortizing first mortgage; combined loans cannot exceed 105% of the home’s value. Funding requires at least 75% private money matched with 25% program money and depends on legislative appropriations. Beginning May 7, 2025, the housing fund’s executive director can distribute money to qualifying applicants when the board directs. The department may use up to 5% of program revenues for administration and cannot accept applications after September 1, 2025.
County applicants gain land-use rule protections
Counties must follow applicable land-use requirements for both pending and newly submitted applications. Complete applications receive substantive review under the rules in effect when they became complete. The law limits added requirements not expressly listed in governing documents and restricts unreasonable withholding of final inspections or occupancy certificates. Issued building permits generally cannot be changed or revoked except in narrow circumstances.
Property owners gain land-use settlement option
Cities and counties can settle property owners’ lawsuits over land-use decisions through consent agreements. The local legislative body must approve the agreement at a public meeting. Matters covered by the agreement do not need to return to a planning commission.
Housing zones can cover more costs
Local governments and administering agencies can use home ownership promotion zone funds for more development costs. These include water connection charges, street lighting, and environmental cleanup, alongside project and system improvements. Spending must serve the zone; spending outside it requires a legislative finding that it directly benefits the zone. Zones receive 60% of property tax growth for up to 15 consecutive years, with administration capped at 3% of zone funds. Funds can also back infrastructure bonds; the law does not provide direct household payments.
Insurance help for qualifying condo builders
Beginning May 7, 2025, Utah Housing Corporation must set rules for an insurance incentive program, subject to legislative appropriations. Qualified borrowers can use shared-appreciation loan program funds to help buy construction liability insurance for qualifying condominium projects. The law states no benefit amount.
Sponsors & Cosponsors
Sponsor
Lincoln Fillmore
Republican • Senate
Cosponsors
Stephen L. Whyte
Republican • House
Roll Call Votes
Senate vote • 3/6/2025
Senate/ concurs with House amendment
Yes: 24 • No: 0
House vote • 3/5/2025
House/ uncircled
Yes: 0 • No: 0
House vote • 3/5/2025
House/ circled
Yes: 0 • No: 0
House vote • 3/5/2025
House/ passed 3rd reading
Yes: 45 • No: 22
House vote • 3/5/2025
House/ floor amendment
Yes: 0 • No: 0
House vote • 3/5/2025
House/ substituted
Yes: 0 • No: 0
House vote • 3/4/2025
House Comm - Favorable Recommendation
Yes: 8 • No: 2
House vote • 3/4/2025
House Comm - Amendment Recommendation
Yes: 10 • No: 0
Senate vote • 3/3/2025
Senate/ passed 3rd reading
Yes: 26 • No: 1
Senate vote • 3/3/2025
Senate/ uncircled
Yes: 0 • No: 0
Senate vote • 3/3/2025
Senate/ circled
Yes: 0 • No: 0
Senate vote • 3/3/2025
Senate/ substituted
Yes: 0 • No: 0
Senate vote • 3/3/2025
Senate/ uncircled
Yes: 0 • No: 0
Senate vote • 3/3/2025
Senate/ circled
Yes: 0 • No: 0
Senate vote • 2/28/2025
Senate/ passed 2nd reading
Yes: 25 • No: 2
Senate vote • 2/28/2025
Senate/ substituted
Yes: 0 • No: 0
Senate vote • 2/28/2025
Senate/ uncircled
Yes: 0 • No: 0
Senate vote • 2/21/2025
Senate/ circled
Yes: 0 • No: 0
Senate vote • 2/18/2025
Senate Comm - Favorable Recommendation
Yes: 3 • No: 1
Senate vote • Unknown
Senate/ circled
Yes: 0 • No: 0
Senate vote • Unknown
Senate/ substituted
Yes: 0 • No: 0
Senate vote • Unknown
Senate/ uncircled
Yes: 0 • No: 0
House vote • Unknown
House/ uncircled
Yes: 0 • No: 0
Senate vote • Unknown
Senate/ circled
Yes: 0 • No: 0
Senate vote • Unknown
Senate/ substituted
Yes: 0 • No: 0
Senate vote • Unknown
Senate/ uncircled
Yes: 0 • No: 0
Senate vote • Unknown
Senate/ circled
Yes: 0 • No: 0
House vote • Unknown
House/ floor amendment
Yes: 0 • No: 0
House vote • Unknown
House/ substituted
Yes: 0 • No: 0
House vote • Unknown
House/ circled
Yes: 0 • No: 0
Senate vote • Unknown
Senate/ uncircled
Yes: 0 • No: 0
Actions Timeline
Governor Signed
3/27/2025Senate/ to Governor
3/17/2025SenateSenate/ received enrolled bill from Printing
3/17/2025SenateSenate/ enrolled bill to Printing
3/13/2025SenateEnrolled Bill Returned to House or Senate
3/13/2025Draft of Enrolled Bill Prepared
3/7/2025Bill Received from Senate for Enrolling
3/7/2025Senate/ signed by President/ sent for enrolling
3/7/2025SenateSenate/ received from House
3/7/2025SenateHouse/ to Senate
3/6/2025HouseHouse/ signed by Speaker/ returned to Senate
3/6/2025HouseHouse/ received from Senate
3/6/2025HouseSenate/ to House
3/6/2025SenateSenate/ concurs with House amendment
3/6/2025SenateSenate/ placed on Concurrence Calendar
3/6/2025SenateSenate/ received from House
3/6/2025SenateHouse/ to Senate
3/5/2025HouseHouse/ passed 3rd reading
3/5/2025HouseHouse/ floor amendment
3/5/2025HouseHouse/ substituted
3/5/2025HouseHouse/ uncircled
3/5/2025HouseHouse/ circled
3/5/2025HouseHouse/ 3rd reading
3/5/2025HouseHouse/ 2nd reading
3/5/2025HouseHouse/ comm rpt/ amended
3/5/2025House
Bill Text
Enrolled
3/13/2025
Amended 3/5/2025 15:03:549
3/5/2025
Amended 3/5/2025 20:03:477
3/5/2025
Substitute #3
3/5/2025
Substitute #2
3/3/2025
Substitute #1
2/28/2025
Introduced
2/11/2025