HOME Act of 2025

This bill aims to make it easier and safer for veterans to buy homes and find housing that meets their needs. It tells the Department of Veterans Affairs (VA) to update its guidance for lenders on how to judge a veteran’s leftover income after paying bills, and to work with veteran-focused nonprofits to offer free, optional financial counseling to veterans using VA-backed home loans. It also directs the VA to build a list of homes for sale that have already been adapted for disabled veterans, so buyers can more easily find a place that fits their needs. Finally, it requires outreach to veterans living in U.S. Territories about their housing benefits.

Key points

• Who is affected: Veterans using VA home loans, disabled veterans seeking adapted homes, and veterans living in U.S. Territories.
• What changes: Better lender guidance on “residual income,” optional financial counseling for homebuyers, a VA-run database of adapted homes for sale, and targeted outreach in the Territories.
• Why it matters: Helps veterans make informed home-buying choices, find suitable housing faster, and learn about benefits they might otherwise miss.