Scott Fitzgerald (R-WI)
Working Families Home Construction Act of 2026
A Republican bill with 1 Republican cosponsor · See the cosponsor
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
The bill is known as the Working Families Home Construction Act of 2026. It directs the Federal Housing Finance Agency to allow Fannie Mae and Freddie Mac to buy and securitize qualifying residential construction loans. These loans are meant to help build owner-occupied homes for families with specific income levels. The text sets strict limits on loan amounts, project uses, and buyer residency requirements. It also reallocates specific percentages of existing enterprise funding sources to support these construction loans.
Yes· 3 of 15
- Scored +6
Does this make housing cost less?
The bill directly aids the construction of owner-occupied homes for families earning between 90 percent and 130 percent of the area median income.
- Scored +5
Would middle-income households be better off under this?
The legislation specifically targets households with incomes between 90 percent and 130 percent of the area median income.
- Scored +4
Would people in their twenties and thirties be better off under this?
Younger adults looking to purchase their first home within the specified median income range can benefit from increased housing supply.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Section 2(b)(5) and Section 2(b)(9) could help families whose income is between 90 percent and 130 percent of the area median income by providing newly constructed owner-occupied dwelling units.
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Section 2(b)(8) allows loan funds to be used for acquiring land, professional services, developing infrastructure, constructing dwelling units, developer incentives, and municipal fees and permits, which helps ensure that all necessary steps of a homebuilding project can receive financial support.
Potential Negative Impacts for People
- Section 2(b)(10) requires the purchaser of a built dwelling unit to reside in the unit for not less than one year and mandates that developers include a recorded, restrictive covenant to that effect, which places a legal residency restriction on the homebuyer.
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 middle-income households be better off under this? — The legislation specifically targets households with incomes between 90 percent and 130 percent of the area median income. Would business owners be better off under this? — Homebuilders and residential developers gain access to financing options and developer incentives. Would people in their twenties and thirties be better off under this? — Younger adults looking to purchase their first home within the specified median income range can benefit from increased housing supply. Would children be better off under this? — Families with children stand to benefit from the availability of newly constructed owner-occupied homes. Would people in middle age be better off under this? — Middle-aged households earning between 90 and 130 percent of AMI can access newly built housing options. Would people in rural areas be better off under this? — Rural communities with qualifying development projects can benefit from improved infrastructure and housing supply. Would people in cities be better off under this? — Increased residential construction can help alleviate housing shortages in urban and suburban areas.
- Economy And Finance
- Does this make it easier to run a small business? — Builders, homebuilders, and small development entities can benefit from access to specialized construction loan financing. Is this likely to create jobs? — The bill supports home construction projects, which can stimulate employment in the construction and development sectors. Is this likely to grow the economy? — By facilitating financing for residential construction, the legislation can encourage housing market activity and economic development.
- Social Issues And Justice
- Does this make housing cost less? — The bill directly aids the construction of owner-occupied homes for families earning between 90 percent and 130 percent of the area median income. Is this likely to reduce homelessness? — Increasing the overall supply of newly constructed housing can have a modest positive effect on housing availability.
- Environment Energy And Infrastructure
- Does this repair or build roads and bridges? — Loan funds are explicitly permitted to be used for developing necessary infrastructure such as roads, water lines, and sidewalks. Does this invest in rural communities? — Infrastructure and housing development funding can support growth in local communities, including rural areas.
- Governance And Ideology
- Does this give the federal government more power? — The legislation directs the Federal Housing Finance Agency to oversee new mandates for Fannie Mae and Freddie Mac.
- 10/13/2026
- 1 Cosponsor added.
- 6/25/2026
- Referred to the House Committee on Financial Services.
- Introduced in House
Michael LawlerRepublican · New York