A Republican bill with no cosponsors
Last activity — Placed on Senate Legislative Calendar under General Orders. Calendar No. 143.
Cleared committee, waiting for its first floor vote
A committee approved it and it is on the calendar of the chamber it started in.
This is further than most bills get, and still no promise of a vote: the calendar is a queue, and the majority leadership decides what is called. A bill can sit here until the Congress ends.
Its path through Congress
- Introduced
- On Calendar
What this bill would do
The "ROAD to Housing Act of 2025" aims to increase the supply of affordable housing across the United States through regulatory reforms, zoning guidelines, and specialized pilot programs. The legislation includes provisions to improve financial literacy, expand manufactured and modular housing production, and provide support for veterans. It establishes a Long-Term Disaster Recovery Fund to assist communities following catastrophic disasters and creates a Rural Community Development Initiative. Additionally, the bill introduces new voucher adjustment processes, updates appraisal industry standards, and implements various program reforms to improve housing affordability and stability.
Yes· 3 of 24
- Scored +8
Does this make housing cost less?
The bill expands programs to increase the supply of, and financial access to, affordable housing through regulatory and financial reforms.
- Scored +7
Would households on low incomes be better off under this?
The bill provides significant resources for affordable housing, rental assistance, and home repair grants.
- Scored +7
Does this improve help for people hit by a disaster?
The bill creates a Long-Term Disaster Recovery Fund to better handle housing needs after catastrophes.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Improved Housing Counseling and Foreclosure Mitigation: The bill expands opportunities for borrowers who are delinquent on payments to access housing counseling, with costs covered by the Mutual Mortgage Insurance Fund (Sec. 101).
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Increased Housing in Opportunity Zones: The Secretary may give additional weight to competitive grants for applicants located in or serving qualified opportunity zones (Sec. 202).
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Support for Local Zoning Reforms: The bill directs the creation of guidelines and best practices to help state and local governments reduce regulatory barriers, such as parking minimums and lot size requirements (Sec. 203).
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Home Repairs for Homeowners and Landlords: A pilot program would provide grants to homeowners and forgivable loans to landlords to fund repairs related to accessibility, safety, and energy efficiency (Sec. 204).
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Financial Incentives for High-Growth Areas: The "Build Now Act" adjusts Community Development Block Grant allocations to provide bonuses to recipients that show significant improvement in housing supply growth (Sec. 206).
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Streamlined Environmental Reviews: The bill reclassifies certain housing-related activities to expand and streamline environmental review processes (Sec. 208).
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Expansion of Manufactured and Modular Housing: The bill seeks to remove barriers to manufactured housing by allowing homes without permanent chassis and directs reviews of financing barriers for modular homes (Sec. 301, Sec. 302).
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Modernized Loan Limits: The act increases limits for various mortgage insurance programs to help finance construction and repairs (Sec. 303).
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Preservation of Manufactured Housing Communities: A new grant program is established to fund infrastructure, repairs, and resident health and safety activities in eligible manufactured housing communities (Sec. 304 and Section 3, paragraph (d)(1)(ii)).
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Improved Living Conditions for Manufactured Housing Communities: Grants can be used to improve living conditions through the addition or enhancement of shared spaces like community centers or recreational areas (Section 3, paragraph (d)(1)(ii)).
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Increased Mortgage Accessibility: The bill encourages lending for small dollar mortgages by allowing for different compensation practices and evaluating existing limits on points and fees (Section s 401 and 402).
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Enhanced Appraisal Industry Workforce: The bill creates a path for State credentialed trainee appraisers to assist certified appraisors and provides grants for workforce training and recruiting talent (Section 403).
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Financial Stability for Families in Housing Assistance: An escrow expansion pilot program allows covered families to establish interest-bearing accounts to save money as their earned income increases (Section 404, paragraph (3)).
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Disaster Recovery Support: The establishment of a Long-Term Disaster Recovery Fund provides grants for disaster relief, long-term recovery, and the restoration of housing and infrastructure (Section 501, paragraph (a)(1) and (c)(3)).
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Preservation of Rural Housing: A new program helps preserve and revitalize multifamily rental housing projects through loan restructuring and the renewal of rental assistance contracts (Section 503, paragraph (c) and (d)).
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Rural Community Development: The establishment of the Rural Community Development Initiative provides grants to help develop housing, community facilities, and economic development in rural areas (Section (b)).
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Increased Flexibility for Renters: The creation of a process to adjust voucher amounts based on interim reviews—such as changes in income, family composition, or rental rates—allows for more responsive financial assistance (Section (k)(2)).
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Improved Housing Stability for Rural Residents: Low-income households in properties financed by certain loans or grants may become eligible for rural housing vouchers following foreclosure, prepayment, or mortgage maturity (Section (l)).
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Support for Homeowners: The ability to refinance or modify loan periods for up to 40 years provides more flexibility for long-term housing stability (Section (o)(1)(B)).
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Expanded Opportunities for Homeowners: The inclusion of accessory dwelling units in loan guarantees allows homeowners to create additional living spaces and utilize rental income (Section (r)).
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Enhanced Support for Veterans: The VA Home Loan Awareness Act requires a disclaimer on loan applications to inform service members they may qualify for VA home loans (Section 601(a)).
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Disability Benefit Protections: Veterans receiving certain disability benefits will have those benefits excluded when determining income eligibility for specific housing assistance programs (Section 603(a)(1)).
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Consumer Protections in Appraisals: The bill establishes a review and resolution procedure for consumers to request a reconsideration of an appraisal value, which can include a new appraisal at the creditor's expense if errors or discrimination are found (Section 705(a)(2)).
Potential Negative Impacts for People
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Potential Loss of Housing Counseling Capacity: The Secretary may take actions against counselors deemed incompetent, which could result in a loss of local counseling services if not carefully managed (Sec. 101).
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Risk of Reduced Funding for Certain Jurisdictions: Under the "Build Now Act," community development allocations may be decreased by 10 percent for jurisdictions that fall below the median housing growth improvement rate (Sec. 206).
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Requirement for Landlord Compliance: To receive loans for repairs, landlords must agree to specific restrictions, such as capping annual rent increases at 5 percent of base rent or inflation (Sec. 204).
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Restrictions on Housing Replacement: Grants may not be used for the rehabilitation or modernization of manufactured housing units that were built before June 15, 1976 (Section 3, paragraph (d)(2)(A)).
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Liabilities for Appraisers: While trainees can assist, a State certified appraiser remains liable for the final work performed with the assistance of a trainee (Section 403, paragraph (c)(3)).
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Limitations on Escrow Withdrawals: Under the escrow pilot program, families may be restricted from withdrawing funds for up to 5 years after the account is established, unless they are meeting specific self-sufficiency goals or facing specific circumstances (Section 404, paragraph (3)(C)).
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Risk of Displacement in Disaster Areas: Grant funds used for disaster recovery may involve activities that require relocation, which is subject to specific policies and potential displacement (Section 501, paragraph (c)(7)(8)).
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Program Restrictions for Small-Scale Housing: Certain tenant selection requirements are waived for owners of small-scale housing, which consists of not more than 4 rental units (Section 502, paragraph (d)(1)(B)).
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Financial Burdens for Intermediaries: Eligible intermediaries receiving grants must provide matching funds from other sources that are at least equal to the amount of the grant (Section (c) and (d)(1)).
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Strict Recertification Requirements: Tenants participating in annual reviews are required to recertify their family composition and income to ensure they do not exceed 80 percent of the area median income (Section (k)(3)(A)).
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Potential Risks for Public Housing Agencies: Agencies participating in the "Moving to Work" demonstration may face removal from the cohort if they fail to comply with established requirements (Section (f)(3)).
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Restrictions on Certain Housing Projects: For the "Moving to Work" demonstration, the Secretary's authority to grant waivers is strictly limited, which may restrict the flexibility of participating agencies (Section (c)(1)).
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 households on low incomes be better off under this? — The bill provides significant resources for affordable housing, rental assistance, and home repair grants. Would veterans be better off under this, taking everything together? — The bill provides substantial enhancements to VA home loan awareness and housing assistance. Would Native Americans be better off under this? — The bill provides specific funding opportunities and set-asides for Indian tribes and tribally designated housing entities. Would people with disabilities be better off under this? — The bill provides funding for accessibility modifications and protects the exclusion of disability benefits from income calculations. Would people in rural areas be better off under this? — The bill maintains support for the Rural Housing Service and creates a Rural Community Development Initiative. Would business owners be better off under this? — The bill reduces regulatory barriers for modular home developers and promotes small dollar mortgage lending. Would people over 65 be better off under this? — The Whole-Home Repairs Act specifically targets accessibility upgrades for older adults. Would people in their twenties and thirties be better off under this? — Increased affordability in housing markets can benefit younger people entering the market. Would middle-income households be better off under this? — Increased loan limits and easier financing for modular homes benefit middle-income buyers. Would people in cities be better off under this? — Increased affordable housing supply and community infrastructure support impact urban areas.
- Social Issues And Justice
- Does this make housing cost less? — The bill expands programs to increase the supply of, and financial access to, affordable housing through regulatory and financial reforms. Is this likely to reduce homelessness? — The bill mitigates homelessness by converting abandoned buildings and improving disaster recovery housing. Does this expand the rights of people with disabilities? — The Whole-Home Repairs Act provides grants specifically for accessibility modifications for individuals with disabilities. Is this likely to lift people out of poverty? — Increased housing stability and rental assistance are direct mechanisms for lifting low-income households out of poverty.
- Environment Energy And Infrastructure
- Does this improve help for people hit by a disaster? — The bill creates a Long-Term Disaster Recovery Fund to better handle housing needs after catastrophes. Does this invest in rural communities? — The bill establishes a Rural Community Development Initiative and provides support for rural housing services. Does this better protect air, water and wildlife? — The bill streamlines environmental reviews to facilitate construction of housing.
- Economy And Finance
- Is this likely to grow the economy? — By addressing the housing shortage through supply-side reforms, the bill aims to support broader economic activity. Does this make it easier to run a small business? — The bill provides incentives for small-dollar mortgage originators and supports community-based development organizations. Is this likely to create jobs? — The bill stimulates construction and manufacturing sectors through housing supply initiatives and work requirement explorations.
- National Security And Foreign Policy
- Does this increase the pay, pensions or support veterans receive? — The bill expands loan awareness, increases housing eligibility, and protects disability benefits for veterans.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The bill mandates various annual reports and public data dashboards for housing and disaster programs.
- Healthcare
- Does this make mental health care easier to get? — The bill facilitates coordination between housing providers and mental health service providers.
- Education And Technology
- Does this get reliable internet to more people? — The bill authorizes funding for information technology upgrades for the Rural Housing Service.
- 8/1/2025
- Committee on Banking, Housing, and Urban Affairs. Original measure reported to Senate by Senator Scott SC. Without written report.
- Placed on Senate Legislative Calendar under General Orders. Calendar No. 143.
- Introduced in Senate
11 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.
- 119-HR-4385: Helping More Families Save Act
- 119-HR-4477: PRICE Act
- 119-HR-5938: Innovation Fund Act
- 119-HR-5975: Appraisal Modernization Act
- 119-HR-5990: Whole-Home Repairs Act of 2025
- 119-HR-6269: Modular Housing Production Act
- 119-HR-6337: ROAD to Housing Act of 2025
- 119-HR-6483: NeighborWorks Accountability Act
- 119-HR-6726: To amend the Housing and Urban Development Act of 1968 to provide reforms to housing counseling and financial literacy programs.
- 119-S-2414: Housing Supply Expansion Act of 2025
- 119-S-3067: Innovation Fund Act