Whole-Home Repairs Act of 2025

This bill would set up a national pilot program at the Department of Housing and Urban Development (HUD) to fund “whole-home repairs.” HUD would give money to selected organizations that then offer grants to eligible homeowners and loans—sometimes forgivable—to eligible landlords. Grant and loan limits would match local building costs and must be approved by HUD. All funded repairs must be completed, and any unfinished work or unused money has to be paid back. Programs must follow federal accessibility and fair-housing rules, and can use a small share of funds for worker training and administration.

For rental homes, landlords who take these loans must protect tenants: offer lease extensions for at least 3 years after repairs, keep a unit affordable if a tenant moves during that period, meet building codes, have no recent serious violations of renter protections, and cap rent increases to 5% or inflation (whichever is lower) for 3 years.

• Who is affected: Homeowners needing repairs; landlords of affordable rental units; and renters living in those units. An “affordable unit” means rent that is affordable to people earning at or below 80% of the local median income.
• What changes: Grants go to homeowners; loans (which may be forgivable) go to landlords for repairs to units and common areas. Programs can coordinate with other repair programs to reduce paperwork, including accepting recent income checks; up to 10% of funds may support worker training and up to 10% administrative costs. Each year, HUD selects 2–10 organizations nationwide (no more than one per state). If a landlord’s loan isn’t forgiven, repayments can be reused for more repairs; funds must add to—not replace—other funding.
• When: HUD must launch the pilot within 1 year of enactment. The program can use up to $25 million and ends on October 1, 2030. Annual reports and independent oversight are required during the pilot.