HR 6390119th CongressIn Committee

Make Housing Affordable and Defend Democracy Act

Introduced: Dec 3, 2025

Sponsor: Rep. Gomez, Jimmy [D-CA-34] (D-California)

Standard Summary

Comprehensive overview in 1-2 paragraphs

H.R. 6390, the Make Housing Affordable and Defend Democracy Act, rescinds large sums of immigration‑enforcement funding and introduces a suite of tax credits to expand housing affordability, including first‑time homebuyer, starter‑home construction, affordable‑housing conversion, LIHTC boost, and renter tax credits, with provisions for advance payments and regulatory guidance.

Key Points

1Rescinds $175.66 billion in immigration‑enforcement funds across multiple categories.
2Introduces a first‑time homebuyer credit up to $50,000 for first‑generation buyers.
3Adds a starter‑home construction credit of 15% (30% for first‑time buyers) and an affordable‑housing conversion credit of 20%.
4Provides a LIHTC boost for extremely low‑income households and a renter tax credit with advance‑payment options.
5Includes extensive regulatory and reporting requirements for the new credits.

Impact Areas

Homebuyers, especially first‑time and first‑generation buyersHousing developers and buildersLow‑income renters and affordable‑housing projectsIRS and federal budget plannersImmigration‑enforcement agencies losing funding

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