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Housing Affordability Act: Modifying multifamily loan limits

The Act amends Title II of the National Housing Act to significantly increase the dollar amounts for multifamily loan limits. It also modifies the method for calculating annual adjustments to these limits, linking them to the Price Deflator Index of Multifamily Residential Units Under Construction starting January 1, 2026.
Key points
Increase in Loan Limits: The Act replaces existing dollar amounts in various sections with significantly higher figures (e.g., raising $38,025 to $167,310).
New Adjustment Method: Starting January 1, 2026, limit adjustments will be calculated using the percentage change in the Price Deflator Index of Multifamily Residential Units Under Construction.
Publication Requirement: The Secretary must publish any adjustments to the dollar amounts in the Federal Register.
Rounding Rule: Adjustment amounts shall be rounded to the next lower dollar.
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Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_HR_6132
Sponsor: Rep. De La Cruz, Monica [R-TX-15]
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Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Housing Affordability Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_6132.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

What are the main provisions?

Key points include:

  • Increase in Loan Limits: The Act replaces existing dollar amounts in various sections with significantly higher figures (e.g., raising $38,025 to $167,310).
  • New Adjustment Method: Starting January 1, 2026, limit adjustments will be calculated using the percentage change in the Price Deflator Index of Multifamily Residential Units Under Construction.
  • Publication Requirement: The Secretary must publish any adjustments to the dollar amounts in the Federal Register.
  • Rounding Rule: Adjustment amounts shall be rounded to the next lower dollar.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. De La Cruz, Monica [R-TX-15].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-31.

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