Monica De La Cruz (R-TX)
Housing Affordability Act
A Republican bill with 3 Democratic cosponsors · See all 3 cosponsors
Last activity — Referred to the House Committee on Financial Services.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill, known as the "Housing Affordability Act," aims to modify multifamily loan limits under title II of the National Housing Act. It proposes changes to how dollar amounts for these loans are adjusted and published. Specifically, it updates the calculation method for adjustments starting January 1, 2026, using the Price Deflator Index of Multifamily Residential Units Under Construction. The bill also implements significant increases to specific dollar amounts across several sections of the National Housing Act.
Yes· 3 of 5
- Scored +5
Does this make housing cost less?
The bill increases multifamily loan limits, which can facilitate the development of more affordable housing units.
- Scored +3
Would households on low incomes be better off under this?
Increased loan limits may assist in the financing of affordable housing units used by low-income residents.
- Scored +3
Would business owners be better off under this?
Increased loan limits benefit real estate developers and multifamily housing providers.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Updated Loan Adjustment Calculation: Section 2, subsection (1)(A) changes how adjustments are calculated by using the percentage change in the Price Deflator Index of Multifamily Residential Units Under Construction. This establishes a new method for adjusting dollar amounts commencing on January 1, 2026.
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Significant Increase in Loan Dollar Amounts: Section 2 contains numerous amendments to various sections of the National Housing Act (including sections 207(c)(3)(A), 213(b)(2), 220(d)(3)(B)(iii)(I), 221(d)(4)(ii)(I), 231(c)(2)(A), and 234(e)(3)(A)) that replace much lower dollar amounts with significantly higher ones. For example, in section 207(c)(3)(A), amounts are increased from figures such as "$38,025" to "$167,310".
Potential Negative Impacts for People
- Rounding Down of Adjustments: Section 2, subsection (1)(B) specifies that the dollar amount of any adjustment must be rounded to the next lower dollar.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would business owners be better off under this? — Increased loan limits benefit real estate developers and multifamily housing providers. Would households on low incomes be better off under this? — Increased loan limits may assist in the financing of affordable housing units used by low-income residents. Would middle-income households be better off under this? — Expanded loan limits can facilitate increased housing supply which may benefit middle-class purchasing power. Would people in cities be better off under this? — Increased multifamily loan limits are particularly impactful for urban housing development.
- Social Issues And Justice
- Does this make housing cost less? — The bill increases multifamily loan limits, which can facilitate the development of more affordable housing units.
- 3/24/2026
- 1 Cosponsor added.
- 12/3/2025
- 1 Cosponsor added.
- 11/19/2025
- Referred to the House Committee on Financial Services.
- 1 Cosponsor added.
- Introduced in House
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Ami BeraDemocrat · California
Ritchie TorresDemocrat · New York
Eugene VindmanDemocrat · Virginia