[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6771 Introduced in House (IH)]
<DOC>
119th CONGRESS
1st Session
H. R. 6771
To facilitate the development of fair and affordable housing, decrease
housing costs, and for other purposes.
_______________________________________________________________________
IN THE HOUSE OF REPRESENTATIVES
December 17, 2025
Ms. Waters introduced the following bill; which was referred to the
Committee on Appropriations, and in addition to the Committee on
Financial Services, 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
_______________________________________________________________________
A BILL
To facilitate the development of fair and affordable housing, decrease
housing costs, and for other purposes.
Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,
SECTION 1. SHORT TITLE; TABLE OF CONTENTS.
(a) Short Title.--This Act may be cited as the ``Housing Crisis
Response Act of 2025''.
(b) Table of Contents.--The table of contents for this Act is as
follows:
Sec. 1. Short title; table of contents.
TITLE I--CREATING AND PRESERVING AFFORDABLE, EQUITABLE, AND ACCESSIBLE
HOUSING FOR THE 21ST CENTURY
Sec. 101. Public housing investments.
Sec. 102. Investments in affordable and accessible housing production.
Sec. 103. Housing investment fund.
Sec. 104. Section 811 supportive housing for people with disabilities.
Sec. 105. Section 202 supportive housing for the elderly program.
Sec. 106. Improving energy efficiency or water efficiency or climate
resilience of affordable housing.
Sec. 107. Revitalization of distressed multifamily properties.
Sec. 108. Investments in rural rental housing.
Sec. 109. Housing vouchers.
Sec. 110. Project-based rental assistance.
Sec. 111. Investments in Native American Communities.
Sec. 112. Increased affordable housing program investment.
Sec. 113. Promoting housing accessibility and visitability.
TITLE II--21ST CENTURY SUSTAINABLE AND EQUITABLE COMMUNITIES
Sec. 201. Community development block grant funding for affordable
housing and infrastructure.
Sec. 202. Lead-based paint hazard control and housing-related health
and safety hazard mitigation in housing of
families with lower incomes.
Sec. 203. Unlocking possibilities program.
Sec. 204. Strengthening resilience under national flood insurance
program.
Sec. 205. Community Restoration and Revitalization Fund.
Sec. 206. Fair housing activities and investigations.
Sec. 207. Intergovernmental fair housing activities and investigations.
TITLE III--HOMEOWNERSHIP INVESTMENTS
Sec. 301. First-Generation Downpayment Assistance.
Sec. 302. Home loan program.
Sec. 303. HUD-insured small dollar mortgage demonstration program.
Sec. 304. Investments in rural homeownership.
TITLE IV--HUD ADMINISTRATION, CAPACITY BUILDING, TECHNICAL ASSISTANCE,
AND AGENCY OVERSIGHT
Sec. 401. Program administration, training, technical assistance,
capacity building, and oversight.
Sec. 402. Community-led capacity building.
TITLE I--CREATING AND PRESERVING AFFORDABLE, EQUITABLE, AND ACCESSIBLE
HOUSING FOR THE 21ST CENTURY
SEC. 101. PUBLIC HOUSING INVESTMENTS.
(a) Appropriation.--In addition to amounts otherwise made
available, there is appropriated to the Secretary of Housing and Urban
Development (in this section referred to as the ``Secretary'') for
fiscal year 2026, out of any money in the Treasury not otherwise
appropriated--
(1) $10,000,000,000, to remain available until September
30, 2033, for the Capital Fund under section 9(d) of the United
States Housing Act of 1937 (42 U.S.C. 1437g(d)) pursuant to the
same formula as in fiscal year 2021, to be made available
within 60 days of the date of the enactment of this Act;
(2) $53,000,000,000, to remain available until September
30, 2028, for eligible activities under section 9(d)(1) of the
United States Housing Act of 1937 (42 U.S.C. 1437g(d)(1)) for
priority investments as determined by the Secretary to repair,
replace, or construct properties assisted under such section 9;
(3) $1,200,000,000, to remain available until September 30,
2028, for competitive grants under section 24 of the United
States Housing Act of 1937 (42 U.S.C. 1437v) (in this section
referred to as ``section 24''), under the terms and conditions
in subsection (b), for transformation, rehabilitation, and
replacement housing needs of public and assisted housing, and
to transform neighborhoods of poverty into functioning,
sustainable mixed-income neighborhoods;
(4) $750,000,000, to remain available until September 30,
2033, for the costs to the Secretary of administering and
overseeing the implementation of this section and the Public
Housing Capital Fund and the section 24 grant program
generally, including information technology, financial
reporting, research and evaluation, other cross-program costs
in support of programs administered by the Secretary in this
title, and other costs; and
(5) $50,000,000, to remain available until September 30,
2033, to make new awards or increase prior awards to existing
technical assistance providers to provide an increase in
capacity building and technical assistance available to
entities eligible for funding for activities or projects
consistent with this section.
(b) Terms and Conditions for Section 24 Grants.--Grants awarded
under subsection (a)(3) shall be subject to terms and conditions
determined by the Secretary, which shall include the following:
(1) Use.--Grant funds may be used for resident and
community services, community development and revitalization,
and affordable housing needs in the community.
(2) Applicants.--Eligible recipients of grants shall
include lead applicants and joint applicants, as follows:
(A) Lead applicants.--A lead applicant shall be a
local government, a public housing agency, or an owner
of an assisted housing property.
(B) Joint applicants.--A nonprofit organization or
a for-profit developer may apply jointly as a joint
applicant with such public entities specified in
subparagraph (A). A local government must be a joint
applicant with an owner of an assisted housing property
specified in subparagraph (A).
(3) Period of affordability.--Grantees shall commit to a
period of affordability determined by the Secretary of not
fewer than 20 years, but the Secretary may specify a period of
affordability that is fewer than 20 years with respect to
homeownership units developed with section 24 grants.
(4) Environmental review.--For purposes of environmental
review, a grantee shall be treated as a public housing agency
under section 26 of the United States Housing Act of 1937 (42
U.S.C. 1437x).
(5) Low-income and affordable housing.--Amounts made
available under this section shall be used for low-income
housing (as such term is defined under section 3(b) of the
United States Housing Act of 1937 (42 U.S.C. 1437a(b))), HUD-
assisted housing, and affordable housing, which shall be
housing for which the owner of the project shall record an
affordability use restriction approved by the Secretary for
households earning up to 120 percent of the area median income
and is subject to the period of affordability under paragraph
(3) of this subsection.
(c) Other Terms and Conditions.--Grants awarded under this section
shall be subject to the following terms and conditions:
(1) Limitation.--Amounts provided pursuant to this section
may not be used for operating costs or rental assistance.
(2) Development of new units.--Paragraph (3) of section
9(g) of the United States Housing Act of 1937 (42 U.S.C.
1437g(g)(3)) shall not apply to new funds made available under
this section.
(3) Health and safety.--Amounts made available under this
section shall be used to address health, safety, and
environmental hazards, including lead, fire, carbon monoxide,
mold, asbestos, radon, pest infestation, and other hazards as
defined by the Secretary.
(4) Energy efficiency and resilience.--Amounts made
available under this section shall advance improvements to
energy and water efficiency or climate and disaster resilience
in housing assisted under this section.
(5) Recapture.--If the Secretary recaptures funding
allocated by formula from a public housing agency under
subsection (a)(1), such recaptured amounts shall be added to
the amounts available under subsection (a)(2), and shall be
obligated by the Secretary prior to the expiration of such
funds.
(6) Supplementation of funds.--The Secretary shall ensure
that amounts provided pursuant to this section shall serve to
supplement and not supplant other amounts generated by a
recipient of such amounts or amounts provided by other Federal,
State, or local sources.
(d) Implementation.--The Secretary shall have authority to issue
such regulations or notices, or other guidance, forms, instructions,
and publications to carry out the programs, projects, or activities
authorized under this section to ensure that such programs, projects,
or activities are completed in a timely and effective manner.
SEC. 102. INVESTMENTS IN AFFORDABLE AND ACCESSIBLE HOUSING PRODUCTION.
(a) Appropriation.--In addition to amounts otherwise made
available, there is appropriated to the Secretary of Housing and Urban
Development (in this section referred to as the ``Secretary'') for
fiscal year 2026, out of any money in the Treasury not otherwise
appropriated--
(1) $9,925,000,000, to remain available until September 30,
2028, for activities and assistance for the HOME Investment
Partnerships Program (in this section referred to as the ``HOME
program''), as authorized under sections 241 through 242, 244
through 253, 255 through 256, and 281 through 290 of the
Cranston-Gonzalez National Affordable Housing Act (42 U.S.C.
12741-12742, 42 U.S.C. 12744-12753, 42 U.S.C. 12755-12756, 42
U.S.C. 12831-12840) (in this section referred to as ``NAHA''),
subject to the terms and conditions paragraph (1)(A) of
subsection (b);
(2) $14,925,000,000, to remain available until September
30, 2028, for activities and assistance for the HOME Investment
Partnerships Program, as authorized under sections 241 through
242, 244 through 253, 255 through 256, and 281 through 290 of
the Cranston-Gonzalez National Affordable Housing Act (42
U.S.C. 12741-12742, 42 U.S.C. 12744-12753, 42 U.S.C. 12755-
12756, 42 U.S.C. 12831-12840), subject to the terms and
conditions in paragraphs (1)(B) and (2) of subsection (b);
(3) $50,000,000, to remain available until September 30,
2033, to make new awards or increase prior awards to existing
technical assistance providers to provide an increase in
capacity building and technical assistance available to any
grantees implementing activities or projects consistent with
this section; and
(4) $100,000,000, to remain available until September 30,
2033, for the costs to the Secretary of administering and
overseeing the implementation of this section and the HOME and
Housing Trust Fund programs generally, including information
technology, financial reporting, research and evaluations, and
other cross-program costs in support of programs administered
by the Secretary in this title, and other costs.
(b) Terms and Conditions.--
(1) Formulas.--
(A) The Secretary shall allocate amounts made
available under subsection (a)(1) pursuant to section
217 of NAHA (42 U.S.C. 12747) to grantees that received
allocations pursuant to that same formula in fiscal
year 2023 and shall make such allocations within 60
days of the enactment of this Act.
(B) The Secretary shall allocate amounts made
available under subsection (a)(2) pursuant to the
formula specified in section 1338(c)(3) of the Federal
Housing Enterprises Financial Safety and Soundness Act
of 1992 (12 U.S.C. 4568(c)(3)) to grantees that
received Housing Trust Fund allocations pursuant to
that same formula in fiscal year 2023 and shall make
such allocations within 60 days of the date of the
enactment of this Act.
(2) Eligible activities.--Other than as provided in
paragraph (5) of this subsection, funds made available under
subsection (a)(2) may only be used for eligible activities
described in subparagraphs (A) through (B)(i) of section
1338(c)(7) of the Federal Housing Enterprises Financial Safety
and Soundness Act of 1992 (12 U.S.C. 4568(c)(7)), except that
not more than 10 percent of funds made available may be used
for activities under such subparagraph (B)(i).
(3) Funding restrictions.--The commitment requirements in
section 218(g) (42 U.S.C. 12748(g)) of NAHA, the matching
requirements in section 220 (42 U.S.C. 12750) of NAHA, and the
set-aside for housing developed, sponsored, or owned by
community housing development organizations required in section
231 of NAHA (42 U.S.C. 12771) shall not apply for amounts made
available under this section.
(4) Reallocation.--For funds provided under paragraphs (1)
and (2) of subsection (a), the Secretary may recapture certain
amounts remaining available to a grantee under this section or
amounts declined by a grantee, and reallocate such amounts to
other grantees under that paragraph to ensure fund expenditure,
geographic diversity, and availability of funding to
communities within the State from which the funds have been
recaptured.
(5) Administration.--Notwithstanding subsections (c) and
(d)(1) of section 212 of NAHA (42 U.S.C. 12742), grantees may
use not more than 15 percent of their allocations under this
section for administrative and planning costs.
(c) Implementation.--The Secretary shall have authority to issue
such regulations, notices, or other guidance, forms, instructions, and
publications to carry out the programs, projects, or activities
authorized under this section to ensure that such programs, projects,
or activities are completed in a timely and effective manner.
SEC. 103. HOUSING INVESTMENT FUND.
(a) Appropriation.--In addition to amounts otherwise available,
there is appropriated for fiscal year 2026, out of any money in the
Treasury not otherwise appropriated, to remain available until
September 30, 2028--
(1) $740,000,000 to the Department of the Treasury to
establish the Housing Investment Fund established by this
section within the Community Development Financial Institutions
Fund (in this section referred to as the ``CDFI Fund'') to make
grants to increase investment in the development, preservation,
rehabilitation, financing, or purchase of affordable housing
primarily for low-, very-low, and extremely low-income families
who are renters, and for homeowners with incomes up to 120
percent of the area median income, and for economic development
and community facilities related to such housing and to further
fair housing; and
(2) $10,000,000 for the costs to the CDFI Fund of
administering and overseeing the implementation of this
section, including information technology, financial reporting,
research and evaluations, and other costs.
(b) Eligible Grantees.--A grant under this section may be made,
pursuant to such requirements as the CDFI Fund shall establish, only
to--
(1) a CDFI Fund certified community development financial
institution, as such term is defined in section 103 of the
Riegle Community Development and Regulatory Improvement Act of
1994 (12 U.S.C. 4702);
(2) a nonprofit organization having as one of its principal
purposes the creation, development, or preservation of
affordable housing, including a subsidiary of a public housing
authority; or
(3) a consortium comprised of certified community
development financial institutions, eligible nonprofit housing
organizations, or a combination of both.
(c) Eligible Uses.--Eligible uses for grant amounts awarded from
the Housing Investment Fund pursuant to this section shall--
(1) be reasonably expected to result in eligible affordable
housing activities that support or sustain affordable housing
funded by a grant under this section and capital from other
public and private sources; and
(2) include activities--
(A) to provide loan loss reserves;
(B) to capitalize an acquisition fund to acquire
residential, industrial, or commercial property and
land for the purpose of the preservation, development,
or rehabilitation of affordable housing, including to
support the creation, preservation, or rehabilitation
of resident-owned manufactured housing communities;
(C) to capitalize an affordable housing fund, for
development, preservation, rehabilitation, or financing
of affordable housing and economic development
activities, including community facilities, if part of
a mixed-use project, or activities described in this
paragraph related to transit-oriented development,
which may also be designated as a focus of such a fund;
(D) to capitalize an affordable housing mortgage
fund, to facilitate the origination of mortgages to
buyers that may experience significant barriers to
accessing affordable mortgage credit, including
mortgages having low original principal obligations;
(E) f