Bill · H.R. 6132· House(119-HR-6132)
Housing Affordability Act
- Introduced
- 11/19/2025
- Last activity
- 11/19/2025 — Referred to the House Committee on Financial Services.
- Sponsored by
- Monica De La Cruz
- Cosponsors
- - 0 - 3
- Introduced
- In Committee
What this bill would do
This bill, known as the "Housing Affordability Act," aims to modify multifamily loan limits under title II of the National Housing Act. It proposes changes to how dollar amounts for these loans are adjusted and published. Specifically, it updates the calculation method for adjustments starting January 1, 2026, using the Price Deflator Index of Multifamily Residential Units Under Construction. The bill also implements significant increases to specific dollar amounts across several sections of the National Housing Act.
Yes· 3 of 5
Does this make housing cost less?+5
The bill increases multifamily loan limits, which can facilitate the development of more affordable housing units.
Would households on low incomes be better off under this?+3
Increased loan limits may assist in the financing of affordable housing units used by low-income residents.
Would business owners be better off under this?+3
Increased loan limits benefit real estate developers and multifamily housing providers.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Updated Loan Adjustment Calculation: Section 2, subsection (1)(A) changes how adjustments are calculated by using the percentage change in the Price Deflator Index of Multifamily Residential Units Under Construction. This establishes a new method for adjusting dollar amounts commencing on January 1, 2026.
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Significant Increase in Loan Dollar Amounts: Section 2 contains numerous amendments to various sections of the National Housing Act (including sections 207(c)(3)(A), 213(b)(2), 220(d)(3)(B)(iii)(I), 221(d)(4)(ii)(I), 231(c)(2)(A), and 234(e)(3)(A)) that replace much lower dollar amounts with significantly higher ones. For example, in section 207(c)(3)(A), amounts are increased from figures such as "$38,025" to "$167,310".
Potential Negative Impacts for People
- Rounding Down of Adjustments: Section 2, subsection (1)(B) specifies that the dollar amount of any adjustment must be rounded to the next lower dollar.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Business Owners+3Good For Low Income Households+3Good For Middle Class Households+2Good For Urban Residents+2
- Social Issues And Justice
- Improves Affordable Housing+5
- 3/24/2026
- 1 Cosponsor added.
- 12/3/2025
- 1 Cosponsor added.
- 11/19/2025
- Referred to the House Committee on Financial Services.
- 1 Cosponsor added.
- Introduced in House
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Ami BeraDemocrat · California
Ritchie TorresDemocrat · New York
Eugene VindmanDemocrat · Virginia