Bills · HR 6132
IN COMMITTEE· 119TH CONGRESS
House BillHR 6132Finance and Financial Sector
Housing Affordability Act
INTRO NOV 19· LAST ACTION NOV 19
READING
4MIN
COSPONSORS
3
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenVoters should care about this bill because it directly tackles an issue central to the current housing crisis: the lack of affordable housing and high rental costs. Many existing federal loan limits for apartment buildings are severely outdated, making it difficult for developers to secure the financing needed to build new units or refurbish old ones in today's expensive construction market.
If this bill becomes law, it could unlock more investment in multifamily housing, potentially leading to more apartments becoming available and easing some of the pressure on rental markets. If it doesn't pass, loan limits would remain low, continuing to hinder new construction and renovations, which could worsen housing shortages and contribute to rising rents in many communities.
KEY PROVISIONS
4AI-extractedPROVISION 01
Significantly increases federal loan limits for multifamily housing projects, often by more than four times the previous amounts across various programs.
This makes it more financially feasible for developers to build or renovate apartment buildings, potentially leading to increased housing supply.
PROVISION 02
Changes the method for annually adjusting loan limits, tying them to a specific index that measures the cost of building multifamily residential units.
This ensures that loan limits will automatically keep pace with inflation and rising construction costs in future years, avoiding the need for constant legislative updates.
PROVISION 03
Requires the Secretary of Housing and Urban Development to publish all adjusted loan amounts in the Federal Register each year.
This provision increases transparency, allowing the public and developers to easily access the most current loan limits.
PROVISION 04
Sets January 1, 2026, as the start date for the new annual adjustment calculation method.
This provides a clear timeline for when the new, cost-indexed adjustments will begin to be applied.
SPONSORSHIP
1 + 3
R· Texas
YRS IN OFFICE
3
BILLS LED
35
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 3 REP 0 IND 0
ACTION TIMELINE
2 EVENTSNOV 19
Introduced in House
NOV 19
Referred to the House Committee on Financial Services.
BILL INFO
TypeHouse Bill
NumberHR 6132
Congress119th
StatusIn Committee
IntroducedNov 19, 2025
Last actionNov 19, 2025
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IN COMMITTEE· 119TH CONGRESS · FINANCIAL SERVICES COMMITTEE · INTRODUCED NOV 19, 2025
House BillHR 6132Finance and Financial Sector
Housing Affordability Act
INTRODUCED NOV 19, 2025· LAST ACTION NOV 19, 2025
PASSAGE CHANCES
—%
READING
4 min
COSPONSORS
3
COMPLEXITY
Moderate
