YourVoice.Now Summary
Your MoneyWorkers & JobsCorporate BenefitsEnvironmentTransparency & AccountabilityA small HUD pilot would pay to fix up low-income homes — and cap rent hikes in the rentals it fixes.
Your Money
You would qualify if your household earns at or below 80% of the middle income for your area. Income at or below 200% of the federal poverty line also counts. The grant is not a loan.
These fixes are aimed at older adults and disabled people. The bill also pays for bathroom and kitchen changes, handrails, guards, and lifting aids.
A landlord who takes a repair loan would have to cap rent increases on the fixed-up units. The cap would run at least three years after the work ends.
The landlord would have to offer your current lease terms for three more years. They could still end the lease for unpaid rent, damage, or breaking the rules.
Many families inherit a home but never get the deed changed to their name. You could still qualify by showing you own a share of the property.
The pilot would get no new money. HUD could take up to $25 million from the office that pays to strip lead paint and fix other home health hazards.
Workers & Jobs
A group running the program could spend up to a tenth of its award on training. The training would have to aim at getting more home repairs done, and HUD would have to approve it.
Corporate Benefits
A landlord with fewer than 10 rental properties and up to 50 units could borrow. The loan could be wiped out three years after the repairs, if they keep to the deal.
Environment
Repair money could pay to seal and weatherize a home. It could also cover work that cuts how much energy and water the home uses.
Transparency & Accountability
Each group handing out the money would have to write a plan to catch waste and fraud. Its top officer would have to sign a statement that the group has enough staff to enforce it.
HUD's Inspector General would have to check whether the money is used fairly and legally. At least two of these reviews would be required while the pilot runs.
The landlord would have to swear they know of no serious renter-protection violations in the past 10 years. That covers fines, penalties, and court judgments.
The pilot would shut down on that date. Congress would have to pass a new law to keep it running.
More about this bill
If you own your home and your income is low, you could get money to fix it. The grant would not have to be paid back. Repairs could include ramps, grab bars, handrails, and wider doorways or halls. They could also cover safety hazards and upgrades that cut energy and water use. To qualify, your household would need to earn at or below 80% of the middle income for your area. Earning at or below 200% of the federal poverty line would also work. People who inherited a home could apply, even without a deed in their name. Renters could feel this too. Landlords who own fewer than 10 rental properties could get repair loans. Those loans could be erased three years after the work is done. In return, the landlord would owe current tenants some protections. They would have to offer a three-year lease on the same terms. Rent could then rise no more than 5% a year, or inflation, whichever is lower. If a tenant moved out, the unit would have to stay affordable for the rest of the three years. Landlords would also have to swear they know of no serious renter-protection violations in the past 10 years. Most people would not see this soon. The Department of Housing and Urban Development (HUD) would run it as a pilot. It would pick 2 to 10 groups a year, and no more than one per state. States, local governments, and housing nonprofits would hand out the money. The pilot would get no new money. HUD could pull up to $25 million from the office that fights lead paint and other home hazards. Groups would report each year on homes fixed, costs, and who was served. They would also need a signed plan to stop waste and fraud. HUD's watchdog would review the program at least twice. The program would end on October 1, 2030.
Congressional Summary
Whole-Home Repairs Act of 2025 This bill establishes a pilot program through which the Department of Housing and Urban Development provides grants to state and local governments to support the ability of certain landlords and low- to moderate-income homeowners to make necessary modifications, repairs, or updates to their properties. State and local governments must use the funds they receive under the program to award grants to homeowners and loans to landlords to make changes that address issues such as accessibility, habitability, and energy efficiency. A homeowner is eligible for a grant if the homeowner's household income (1) does not exceed 80% of the area median income, (2) does not exceed 200% of the federal poverty guidelines, or (3) meets the income eligibility criteria of another federal program that serves families of limited means. A landlord is eligible for a loan (which may be forgivable) if the landlord owns fewer than 10 rental properties that have a total of up to 50 units and that mostly consist of units that are affordable (i.e., affordable to a tenant with an income that does not exceed 80% of the area median income). The program terminates on October 1, 2030.
Legislative Subjects
Details
- Congress
- 119th
- Chamber
- Senate
- Status
- summarized
- Action
- Introduced in Senate
- Action Date
- 2025-01-16
- Date Added
- 2026-05-08
- Source
- Congress.gov →
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