Bills · HR 7792
IN COMMITTEE· 119TH CONGRESS
House BillHR 7792Government studies and investigationsCongressional oversight
Property Improvement and Manufactured Housing Loan Modernization Act of 2026
INTRO MAR 4· LAST ACTION MAR 4
READING
5MIN
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-writtenThis bill matters because it addresses housing affordability and supply issues by making it easier and more affordable for people to improve their existing homes or create new housing units. By increasing loan limits and explicitly allowing financing for Accessory Dwelling Units (ADUs), it supports the creation of more housing options in communities, which can help alleviate housing shortages and lower rental costs. It also recognizes the role of manufactured homes in providing affordable housing by updating their financing options to reflect current costs.
If this bill becomes law, homeowners will have more financial leverage to make significant upgrades, including adding income-generating ADUs, and buyers of manufactured homes will have more realistic loan amounts. If it doesn't pass, existing loan limits, which may be outdated due to inflation and rising construction costs, would remain, potentially hindering home improvements, ADU construction, and manufactured home purchases, thus contributing to ongoing housing affordability challenges.
KEY PROVISIONS
5AI-extractedPROVISION 01
Increases loan limits under Title I of the National Housing Act for home improvements and manufactured home purchases.
This makes larger loans available for renovations and buying manufactured homes, helping to address rising costs and make housing more accessible.
PROVISION 02
Clarifies that property improvement loans can be used for the construction of Accessory Dwelling Units (ADUs).
This provision directly supports the creation of more housing units by simplifying financing for ADUs, which can increase housing supply and affordability.
PROVISION 03
Requires the Department of Housing and Urban Development (HUD) to annually index and adjust loan limits based on relevant data.
This ensures that loan limits remain current with market conditions and inflation, preventing them from becoming outdated and ineffective.
PROVISION 04
Changes the maximum loan duration to not exceed 30 years and modifies requirements for manufactured home leases.
This provides more flexibility in loan repayment terms and modernizes lease conditions for manufactured homes.
PROVISION 05
Directs HUD to conduct a study on the cost-effectiveness and quality of off-site construction housing (manufactured and modular homes).
This study will provide valuable data on a potentially more affordable and efficient housing construction method, informing future housing policy.
SPONSORSHIP
1 + 3
D· Connecticut
YRS IN OFFICE
17
BILLS LED
6
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 3 REP 0 IND 0
ACTION TIMELINE
2 EVENTSMAR 4
Introduced in House
MAR 4
Referred to the House Committee on Financial Services.
BILL INFO
TypeHouse Bill
NumberHR 7792
Congress119th
StatusIn Committee
IntroducedMar 4, 2026
Last actionMar 4, 2026
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IN COMMITTEE· 119TH CONGRESS · FINANCIAL SERVICES COMMITTEE · INTRODUCED MAR 4, 2026
House BillHR 7792Government studies and investigationsCongressional oversight
Property Improvement and Manufactured Housing Loan Modernization Act of 2026
INTRODUCED MAR 4, 2026· LAST ACTION MAR 4, 2026
PASSAGE CHANCES
—%
READING
5 min
COSPONSORS
3
COMPLEXITY
Moderate
