Pro-Housing Act of 2025

This bill, called the Pro-Housing Act of 2025, aims to help communities plan and build more homes people can afford. It creates competitive planning and implementation grants and low-cost federal loans that HUD must start within 120 days of becoming law, with loan interest set below similar U.S. Treasury rates to keep borrowing cheap . At least 20% of this funding must go to rural and exurban areas. HUD will also issue quick guidance on ways to allow more housing types, repurpose empty buildings or land, speed up approvals, and include the community—especially to avoid pushing current residents out and to build near transit and jobs . Separately, the bill sets up a pilot to move unused federal buildings and land to state or local housing authorities for mixed-use neighborhoods or affordable housing, starting within 120 days and ending after 5 years.

Who can apply includes states, cities and counties, Tribal governments, and Native Hawaiian organizations; for the property pilot, eligible state or local housing/planning authorities can receive sites . Places that plan to add homes near jobs and transit, cut red tape, prevent displacement, and leverage other funding get priority. HUD will create a learning network to share what works, require regular progress reports, and study results after five years. The grants/loans program is authorized at $200 million per year from 2026–2031 .

Key points

• Who is affected: States, cities/counties, Tribes, Native Hawaiian organizations, and rural/exurban communities; state or local housing/planning authorities can receive unused federal property .
• What changes:
  • Competitive grants and low-interest HUD loans to plan and carry out local housing plans; rural/exurban set-aside of at least 20% .
  • Local match required for grants (about 15%–45%, higher in bigger places), with flexibility for communities with fewer resources.
  • Fast HUD guidance on expanding housing options, repurposing sites, streamlining approvals, and inclusive engagement; focus on building near transit and jobs while avoiding displacement .
  • Learning network, regular recipient reports, and a 5-year HUD study to track impact and share best practices.
  • GSA pilot to transfer unused federal property for mixed-use or affordable housing; ends after 5 years.
• When:
  • HUD guidance within 90 days; grants and loans start within 120 days; learning network within 1 year of first awards; property transfers start within 120 days and end after 5 years; funding authorized for 2026–2031 for the grants/loans program .