H.R. 6132

119 HR 6132 IH: Housing Affordability Act
 U.S. House of Representatives
 2025-11-19
 text/xml
 EN
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 I  119th CONGRESS  1st Session  H. R. 6132  IN THE HOUSE OF REPRESENTATIVES   November 19, 2025   Ms. De La Cruz  (for herself and  Mr. Torres of New York ) introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
To modify the multifamily loan limits under title II of the National Housing Act, and for other purposes.
1.
Short title
This Act may be cited as the   Housing Affordability Act  .
2.
Multifamily loan limits
Title II of the National Housing Act ( 12 U.S.C. 1707 et seq. ) is amended—
(1)
in section 206A ( 12 U.S.C. 1712a )—
(A)
in subsection (a), in the matter following paragraph (7), by striking  (commencing in 2004  and all that follows through the period at the end and inserting the following:  , commencing on January 1, 2026. The adjustment of the Dollar Amounts shall be calculated by the Secretary using the percentage change in the Price Deflator Index of Multifamily Residential Units Under Construction released by the Bureau of the Census from March of the previous year to March of the year in which the adjustment is made. ; and
(B)
by amending subsection (b) to read as follows:
(b)
Publication
(1)
In general
The Secretary shall publish in the Federal Register any adjustments made to the Dollar Amounts.
(2)
Rounding
The dollar amount of any adjustment described in paragraph (1) shall be rounded to the next lower dollar.
 ;
(2)
in section 207(c)(3)(A) ( 12 U.S.C. 1713(c)(3)(A) )—
(A)
by striking  $38,025  and inserting  $167,310 ;
(B)
by striking  $42,120  and inserting  $185,328 ;
(C)
by striking  $50,310  and inserting  $221,364 ;
(D)
by striking  $62,010  and inserting  $272,844 ;
(E)
by striking  $70,200  and inserting  $308,880 ;
(F)
by striking  , or not to exceed $17,460 per space ;
(G)
by striking  $43,875  and inserting  $193,050 ;
(H)
by striking  $49,140  and inserting  $216,216 ;
(I)
by striking  $60,255  and inserting  $265,122 ;
(J)
by striking  $75,465  and inserting  $332,046 ; and
(K)
by striking  $85,328  and inserting  $375,443 ;
(3)
in section 213(b)(2) ( 12 U.S.C. 1715e(b)(2) )—
(A)
by striking  $41,207  and inserting  $181,311 ;
(B)
by striking  $47,511  and inserting  $209,048 ;
(C)
by striking  $57,300  and inserting  $252,120 ;
(D)
by striking  $73,343  and inserting  $322,709 ;
(E)
by striking  $81,708  and inserting  $359,515 ;
(F)
by striking  $43,875  and inserting  $193,050 ;
(G)
by striking  $49,710  and inserting  $218,724 ;
(H)
by striking  $60,446  and inserting  $265,962 ;
(I)
by striking  $78,197  and inserting  $344,067 ; and
(J)
by striking  $85,836  and inserting  $377,678 ;
(4)
in section 220(d)(3)(B)(iii)(I) ( 12 U.S.C. 1715k(d)(3)(B)(iii)(I) )—
(A)
by striking  $38,025  and inserting  $167,310 ;
(B)
by striking  $42,120  and inserting  $185,328 ;
(C)
by striking  $50,310  and inserting  $221,364 ;
(D)
by striking  $62,010  and inserting  $272,844 ;
(E)
by striking  $70,200  and inserting  $308,880 ;
(F)
by striking  $43,875  and inserting  $193,050 ;
(G)
by striking  $49,140  and inserting  $216,216 ;
(H)
by striking  $60,255  and inserting  $265,122 ;
(I)
by striking  $75,465  and inserting  $332,046 ; and
(J)
by striking  $85,328  and inserting  $375,443 ;
(5)
in section 221(d)(4)(ii)(I) ( 12 U.S.C. 1715l(d)(4)(ii)(I) )—
(A)
by striking  $37,843  and inserting  $166,509 ;
(B)
by striking  $42,954  and inserting  $188,997 ;
(C)
by striking  $51,920  and inserting  $228,448 ;
(D)
by striking  $65,169  and inserting  $286,744 ;
(E)
by striking  $73,846  and inserting  $324,922 ;
(F)
by striking  $40,876  and inserting  $179,854 ;
(G)
by striking  $46,859  and inserting  $206,180 ;
(H)
by striking  $56,979  and inserting  $250,708 ;
(I)
by striking  $73,710  and inserting  $324,324 ; and
(J)
by striking  $80,913  and inserting  $356,017 ;
(6)
in section 231(c)(2)(A) ( 12 U.S.C. 1715v(c)(2)(A) )—
(A)
by striking  $35,978  and inserting  $166,509 ;
(B)
by striking  $40,220  and inserting  $188,997 ;
(C)
by striking  $48,029  and inserting  $228,448 ;
(D)
by striking  $57,798  and inserting  $286,744 ;
(E)
by striking  $67,950  and inserting  $324,922 ;
(F)
by striking  $40,876  and inserting  $179,854 ;
(G)
by striking  $46,859  and inserting  $206,180 ;
(H)
by striking  $56,979  and inserting  $250,708 ;
(I)
by striking  $73,710  and inserting  $324,324 ; and
(J)
by striking  $80,913  and inserting  $356,017 ; and
(7)
in section 234(e)(3)(A) ( 12 U.S.C. 1715y(e)(3)(A) )—
(A)
by striking  $42,048  and inserting  $185,011 ;
(B)
by striking  $48,481  and inserting  $213,316 ;
(C)
by striking  $58,469  and inserting  $257,263 ;
(D)
by striking  $74,840  and inserting  $329,296 ;
(E)
by striking  $83,375  and inserting  $366,850 ;
(F)
by striking  $44,250  and inserting  $194,700 ;
(G)
by striking  $50,724  and inserting  $223,186 ;
(H)
by striking  $61,680  and inserting  $271,392 ;
(I)
by striking  $79,793  and inserting  $351,089 ; and
(J)
by striking  $87,588  and inserting  $385,387 .