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Creates a HUD pilot to fund "whole-home" repairs for low- and moderate-income owner-occupied homes and for small landlords. The pilot awards multi-year grants to state or local implementing organizations and qualified nonprofits to provide grants to eligible homeowners and secured/forgivable loans to eligible small landlords for repairs that improve accessibility, safety, energy/water efficiency, and resilience. Awards must include tenant protections, limits on administrative/related-use costs, annual reporting, coordination with other federal programs, and civil rights compliance. The Secretary must set up the program within one year; HUD may use up to $25 million of certain existing HUD funds to run the pilot, which ends October 1, 2030.
The bill expands targeted funding and program structure to repair and preserve affordable homes for low-income homeowners and renters while relying on limited pilot dollars, eligibility constraints, and administrative requirements that may leave many eligible households unreached and deter some landlords from participating.
Low-income homeowners (those at or below 80% AMI or 200% FPG) gain access to funded whole-home repairs that improve safety, habitability, accessibility, and energy/water efficiency.
Renters in qualifying units benefit from repairs to habitability and accessibility and receive tenant protections (lease protections and limited rent increases capped for 3 years), lowering displacement risk.
Owners of affordable rental units—especially small landlords—can access loans, including forgivable loans, which reduces upfront costs and helps preserve affordable housing stock.
Many eligible households may not receive assistance because pilot funding is limited ($25 million total) and awards are capped to at most 10 organizations per year.
Taxpayers bear the cost of grants, forgivable loans, and program administration without explicit offsets or funding limits in the bill definitions.
Eligibility caps (≤80% AMI or ≤200% FPG) and landlord size limits (fewer than 10 properties/≤50 units) exclude moderate-income homeowners and larger landlords, leaving some needy properties ineligible.
Introduced January 16, 2025 by John Karl Fetterman · Last progress January 16, 2025