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HOUSE · HR #6644
Housing for the 21st Century ActThis bill revises federal housing programs, including by expanding available financing for affordable housing and providing grants for planning and community development activities.For example, the bill increases the statutory maximum loan limits for mortgage insurance programs administered by the Federal Housing Administration for multifamily homes and requires the use of a more specific inflation index for such loans.The bill also increases the maximum eligible income for the Department of Housing and Urban Development's (HUD's) HOME Investment Partnerships Program (grants to states and localities to support housing for low-income households) and establishes a grant program to assist regional, state, and local entities with strategies to support affordable housing.In addition, the bill
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★AI Summary
Not Legal Advice What it does
This bill makes several changes to federal affordable housing programs. It raises the maximum loan sizes for multifamily housing projects insured by the Federal Housing Administration and updates how those limits are adjusted over time. It expands the income limit for households eligible for HUD's HOME Investment Partnerships grant program and creates a new federal grant to help state and local governments plan affordable housing strategies. Certain housing construction projects would also be exempt from some environmental review steps to speed up development.
Who it affects
Renters and homebuyers seeking affordable housing, multifamily housing developers, local governments and nonprofits in the HUD HOME program, and state and local agencies addressing housing shortages. Expanded FHA loan limits could make it easier to finance new affordable apartment construction.
If it passes
This bill passed the Senate 89 to 10 and would expand federal financing tools and grant resources for affordable housing. It could increase the supply of affordable homes by raising loan limits and lowering some development costs. Environmental review exemptions may also speed up certain construction timelines.
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descriptionOfficial Summary
Source: Congress.gov- exempts certain housing-related activities from the environmental review process, including certain construction, improvement, or rehabilitation of residential buildings;
- excludes veterans' disability benefits from being considered as income for purposes of determining eligibility for the Veterans Affairs Supportive Housing (VASH) program;
- establishes a pilot program to provide grants to public housing agencies (PHAs) and other owners of federally assisted housing to test the efficacy of temperature sensors to support compliance with temperature requirements;
- eliminates the requirement that manufactured homes must be constructed with a permanent chassis; and
- authorizes HUD to conduct performance reviews of organizations that provide housing counseling services.
The bill also expands oversight of HUD and PHAs, such as by requiring PHAs to post information about contracts on their websites.
For more information about this bill, see CRS Report R48849.
Latest ActionsOn the Floor
See all 31 → Mar 12, 2026 · Latest
The Senate passed this bill with an amendment by a vote of 89 to 10.
Mar 12, 2026
The Senate passed this bill with an amendment by a vote of 89 to 10.
Mar 11, 2026
The Senate voted 82 to 11 to end debate and advance this bill toward a final vote.
#Administrative law and regulatory procedures #Advisory bodies #Congressional oversight #Department of Housing and Urban Development #Disability assistance #Environmental assessment, monitoring, research #Government information and archives #Government studies and investigations #Housing and community development funding #Housing finance and home ownership #Housing industry and standards #Housing supply and affordability #Land use and conservation #Landlord and tenant #Licensing and registrations #Low- and moderate-income housing #Performance measurement #Public housing #Regional and metropolitan planning #Residential rehabilitation and home repair #Rural conditions and development #Urban and suburban affairs and development
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