Bill · H.R. 9540· House(119-HR-9540)
Community Housing Act of 2026
- Introduced
- 6/30/2026
- Last activity
- 6/30/2026 — Referred to the Committee on Financial Services, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- Sponsored by
- Becca Balint
- Cosponsors
- - 16 - 0
- Introduced
- In Committee
What this bill would do
The Community Housing Act of 2026 aims to tackle the national housing crisis through massive investments in affordable housing supply, rental support, and rural programs. The bill appropriates tens of billions of dollars for programs like the Housing Trust Fund and the Capital Magnet Fund to build and preserve affordable homes. It repeals the Faircloth Amendment to allow public housing authorities to increase their number of housing units. The legislation also establishes offices and grant programs focused on community land use, zoning reform, and shared equity housing models. Additionally, the bill provides specific financial assistance for rural homeowners and renters, and expands contributions from Government-Sponsored Enterprises toward affordable housing.
Yes· 3 of 40
Does this make housing cost less?+9
The bill injects tens of billions of dollars into the Housing Trust Fund, HOME program, and shared equity housing initiatives.
Would households on low incomes be better off under this?+8
Extensive investments in the Housing Trust Fund and rental support directly target low-income housing needs.
Would people in rural areas be better off under this?+7
Includes dedicated funding for rural rental housing, preservation of section 515 properties, and low-interest rural home loans.
The opposite· 3 of 5
Does this reduce what the federal government spends?-4
The legislation significantly increases federal spending through multiple new and expanded housing appropriations.
Does this reduce what the federal government owes?-2
The bill appropriates tens of billions of dollars in new mandatory spending for housing programs without offsetting revenues.
Does this make the government pay for what it commits to?-2
Large-scale federal appropriations absent explicit offsets weigh negatively on fiscal balance.
Who it would affect, and how
Potential Positive Impacts for People
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Housing Trust Fund Appropriations: Section 101 appropriates $44,500,000,000 for each of fiscal years 2027 through 2036 to the Housing Trust Fund, which provides a dedicated, permanent source of funding for affordable housing. This is positive because it injects significant capital into building and preserving homes for people who need them.
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Capital Magnet Fund Appropriations: Section 103 appropriates $1,500,000,000 for each of fiscal years 2027 through 2036 to the Capital Magnet Fund. This funding expands financing for nonprofits and Community Development Financial Institutions to develop, rehabilitate, and purchase affordable housing in distressed communities.
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Eviction Protection Grant Program: Section 201 appropriates $10,000,000 for each of fiscal years 2027 through 2036 for the Eviction Protection Grant Program. This directly benefits struggling renters by helping fund legal and related protections against eviction.
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Housing Choice Voucher Downpayment Program: Section 203(b) appropriates $1,000,000,000 for each of fiscal years 2027 through 2036 to provide downpayment assistance under section 8(y)(7) of the United States Housing Act of 1937. This assists individuals and families using housing vouchers to transition into homeownership.
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Rural Homeownership Loans: Section 203(a) appropriates billions of dollars for direct loans under section 502 of the Housing Act of 1949 and caps the annual interest rate payable on these direct loans at no lower than 1.0 percent. This makes purchasing a home much more financially attainable for rural Americans.
Potential Negative Impacts for People
- Increased Fees on Government-Sponsored Enterprises: Section 102 increases the basis point fee for Fannie Mae and Freddie Mac from 4.2 basis points to 10 basis points. While intended to fund housing programs, increasing fees on these mortgage enterprises can potentially drive up mortgage and housing financing costs for everyday homebuyers.
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 Low Income Households+8Good For Rural Residents+7Good For Farmers+6Good For People With Disabilities+6Good For Seniors+6Good For Urban Residents+6Good For Young Adults+6Good For African Americans+5Good For Children+5Good For Hispanic Americans+5Good For Middle Aged+5Good For Middle Class Households+5Good For Retirees+5Good For Veterans+5Good For Asian Americans+4Good For Immigrants+4Good For L G B T Q Community+4Good For Men+4Good For Native Americans+4Good For Union Workers+4Good For White Americans+4Good For Women+4Good For Business Owners+3Good For Students+3Good For High Income Households-1Good For High Net Worth Individuals-1
- Social Issues And Justice
- Improves Affordable Housing+9Reduces Homelessness+7Improves Poverty Reduction+6Improves Disability Rights+2Improves Racial Equity+2
- Environment Energy And Infrastructure
- Improves Rural Development+6Improves Public Transit+2Reduces Carbon Emissions+1
- Governance And Ideology
- Increases Federal Power+3Improves Due Process+2Improves Government Transparency+2
- Economy And Finance
- Improves Small Business Support+4Improves Consumer Protection+3Increases Job Creation+3Improves Economic Growth+2Reduces Government Spending-4Improves Fiscal Responsibility-2Reduces National Debt-2
- Healthcare
- Improves Opioid Crisis Response+2
- 9/3/2026
- 1 Cosponsor added.
- 8/6/2026
- 1 Cosponsor added.
- 7/15/2026
- 1 Cosponsor added.
- 6/30/2026
- Referred to the Committee on Financial Services, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- 13 Cosponsors added.
- Introduced in House
Alma AdamsDemocrat · North Carolina
Jesús GarcíaDemocrat · Illinois
Sylvia GarciaDemocrat · Texas
Daniel GoldmanDemocrat · New York
Val HoyleDemocrat · Oregon
Henry JohnsonDemocrat · Georgia
Jonathan JacksonDemocrat · Illinois
James McGovernDemocrat · Massachusetts
Kevin MullinDemocrat · California
LaMonica McIverDemocrat · New Jersey
Eleanor NortonDemocrat · District of Columbia
Ilhan OmarDemocrat · Minnesota
Delia RamirezDemocrat · Illinois
Janice SchakowskyDemocrat · Illinois
Melanie StansburyDemocrat · New Mexico
Rashida TlaibDemocrat · Michigan