Bill · H.R. 7792· House(119-HR-7792)
Property Improvement and Manufactured Housing Loan Modernization Act of 2026
- Introduced
- 3/4/2026
- Last activity
- 3/4/2026 — Referred to the House Committee on Financial Services.
- Sponsored by
- James Himes
- Cosponsors
- - 3 - 0
- Introduced
- In Committee
What this bill would do
This bill, titled the ``Property Improvement and Manufactured Housing Loan Modernization Act of 2026,'' aims to amend the National Housing Act. It proposes increasing loan limits for various property improvements and manufactured home purchases. The legislation clarifies that property improvement loans can be used for the construction of accessory dwelling units. Additionally, it requires the Secretary of Housing and Urban Development to develop indexing methods to set loan limits annually. Finally, the bill mandates a study regarding the cost effectiveness of off-site construction housing, such as manufactured and modular homes.
Yes· 3 of 21
Does this make housing cost less?+6
Increasing loan limits and authorizing accessory dwelling units can significantly expand access to affordable housing options.
Would middle-income households be better off under this?+5
The bill directly benefits middle-class homeowners through higher limits for property improvements and ADUs.
Would households on low incomes be better off under this?+4
Increased financing for manufactured and modular homes can improve access to affordable housing for low-income groups.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Increased Loan Limits for Improvements: The bill increases the amount available for financing alterations, repairs, and improvements on existing single-family structures and manufactured homes to $75,000 (Section 2(a)(1)).
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Expanded Financing for Manufactured Homes: New loan limits are established for the purchase of single-section and multi-section manufactured homes, as well as those purchased with a developed lot (Section 2(a)(1)).
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Construction of Accessory Dwelling Units: The bill clarifies that property improvement loans may be used for the construction of additional or accessory dwelling units, with the principal amount to be prescribed by the Secretary (Section 2(a)(1) and Section 2(a)(1)(vii)).
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Annual Indexing of Loan Limits: The Secretary is required to develop methods for indexing loan limits annually based on appropriate data, which may help keep limits current (Section 2(a)(3)).
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Research on Off-Site Construction: The Secretary must conduct a study on the cost effectiveness, quality, and maintenance costs of off-site construction housing compared to site-built homes (Section 3(b)).
Potential Negative Impacts for People
- No negative impacts or burdens are explicitly stated in the provided text.
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 Middle Class Households+5Good For Low Income Households+4Good For Middle Aged+3Good For Retirees+3Good For Seniors+3Good For Business Owners+2Good For Rural Residents+2Good For Urban Residents+2Good For Young Adults+2Good For Union Workers+1
- Social Issues And Justice
- Improves Affordable Housing+6Reduces Homelessness+3Improves Poverty Reduction+2
- Economy And Finance
- Improves Consumer Protection+2Increases Job Creation+2Improves Economic Growth+1Improves Small Business Support+1
- Governance And Ideology
- Improves Government Transparency+1Increases Federal Power+1
- Education And Technology
- Increases Scientific Research Funding+1
- Environment Energy And Infrastructure
- Improves Rural Development+1
- 3/4/2026
- Referred to the House Committee on Financial Services.
- 3 Cosponsors added.
- Introduced in House
Josh HarderDemocrat · California
Sam LiccardoDemocrat · California
Chris PappasDemocrat · New Hampshire