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HR 6132119th CongressIn Committee

Housing Affordability Act

Introduced: Nov 19, 2025
Sponsor: Rep. De La Cruz, Monica [R-TX-15] (R-Texas)
Standard Summary
Comprehensive overview in 1-2 paragraphs

The Housing Affordability Act amends the National Housing Act to increase multifamily loan limits by updating dollar amounts using the Price Deflator Index of Multifamily Residential Units Under Construction.

Key Points

  • 1Updates multifamily loan limits in multiple sections of the National Housing Act
  • 2Uses Price Deflator Index of Multifamily Residential Units Under Construction for adjustments
  • 3Applies adjustments starting January 1, 2026
  • 4Requires annual publication of adjustments in the Federal Register
  • 5Rounds adjusted dollar amounts to the next lower dollar

Impact Areas

Multifamily housingHousing affordabilityFederal housing programsReal estate financingHousing policy
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