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[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6132 Introduced in House (IH)]
<DOC>
119th CONGRESS
1st Session
H. R. 6132
To modify the multifamily loan limits under title II of the National
Housing Act, and for other purposes.
_______________________________________________________________________
IN THE HOUSE OF REPRESENTATIVES
November 19, 2025
Ms. De La Cruz (for herself and Mr. Torres of New York) introduced the
following bill; which was referred to the Committee on Financial
Services
_______________________________________________________________________
A BILL
To modify the multifamily loan limits under title II of the National
Housing Act, and for other purposes.
Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the ``Housing Affordability Act''.
SEC. 2. MULTIFAMILY LOAN LIMITS.
Title II of the National Housing Act (12 U.S.C. 1707 et seq.) is
amended--
(1) in section 206A (12 U.S.C. 1712a)--
(A) in subsection (a), in the matter following
paragraph (7), by striking ``(commencing in 2004'' and
all that follows through the period at the end and
inserting the following: ``, commencing on January 1,
2026. The adjustment of the Dollar Amounts shall be
calculated by the Secretary using the percentage change
in the Price Deflator Index of Multifamily Residential
Units Under Construction released by the Bureau of the
Census from March of the previous year to March of the
year in which the adjustment is made.''; and
(B) by amending subsection (b) to read as follows:
``(b) Publication.--
``(1) In general.--The Secretary shall publish in the
Federal Register any adjustments made to the Dollar Amounts.
``(2) Rounding.--The dollar amount of any adjustment
described in paragraph (1) shall be rounded to the next lower
dollar.'';
(2) in section 207(c)(3)(A) (12 U.S.C. 1713(c)(3)(A))--
(A) by striking ``$38,025'' and inserting
``$167,310'';
(B) by striking ``$42,120'' and inserting
``$185,328'';
(C) by striking ``$50,310'' and inserting
``$221,364'';
(D) by striking ``$62,010'' and inserting
``$272,844'';
(E) by striking ``$70,200'' and inserting
``$308,880'';
(F) by striking ``, or not to exceed $17,460 per
space'';
(G) by striking ``$43,875'' and inserting
``$193,050'';
(H) by striking ``$49,140'' and inserting
``$216,216'';
(I) by striking ``$60,255'' and inserting
``$265,122'';
(J) by striking ``$75,465'' and inserting
``$332,046''; and
(K) by striking ``$85,328'' and inserting
``$375,443'';
(3) in section 213(b)(2) (12 U.S.C. 1715e(b)(2))--
(A) by striking ``$41,207'' and inserting
``$181,311'';
(B) by striking ``$47,511'' and inserting
``$209,048'';
(C) by striking ``$57,300'' and inserting
``$252,120'';
(D) by striking ``$73,343'' and inserting
``$322,709'';
(E) by striking ``$81,708'' and inserting
``$359,515'';
(F) by striking ``$43,875'' and inserting
``$193,050'';
(G) by striking ``$49,710'' and inserting
``$218,724'';
(H) by striking ``$60,446'' and inserting
``$265,962'';
(I) by striking ``$78,197'' and inserting
``$344,067''; and
(J) by striking ``$85,836'' and inserting
``$377,678'';
(4) in section 220(d)(3)(B)(iii)(I) (12 U.S.C.
1715k(d)(3)(B)(iii)(I))--
(A) by striking ``$38,025'' and inserting
``$167,310'';
(B) by striking ``$42,120'' and inserting
``$185,328'';
(C) by striking ``$50,310'' and inserting
``$221,364'';
(D) by striking ``$62,010'' and inserting
``$272,844'';
(E) by striking ``$70,200'' and inserting
``$308,880'';
(F) by striking ``$43,875'' and inserting
``$193,050'';
(G) by striking ``$49,140'' and inserting
``$216,216'';
(H) by striking ``$60,255'' and inserting
``$265,122'';
(I) by striking ``$75,465'' and inserting
``$332,046''; and
(J) by striking ``$85,328'' and inserting
``$375,443'';
(5) in section 221(d)(4)(ii)(I) (12 U.S.C.
1715l(d)(4)(ii)(I))--
(A) by striking ``$37,843'' and inserting
``$166,509'';
(B) by striking ``$42,954'' and inserting
``$188,997'';
(C) by striking ``$51,920'' and inserting
``$228,448'';
(D) by striking ``$65,169'' and inserting
``$286,744'';
(E) by striking ``$73,846'' and inserting
``$324,922'';
(F) by striking ``$40,876'' and inserting
``$179,854'';
(G) by striking ``$46,859'' and inserting
``$206,180'';
(H) by striking ``$56,979'' and inserting
``$250,708'';
(I) by striking ``$73,710'' and inserting
``$324,324''; and
(J) by striking ``$80,913'' and inserting
``$356,017'';
(6) in section 231(c)(2)(A) (12 U.S.C. 1715v(c)(2)(A))--
(A) by striking ``$35,978'' and inserting
``$166,509'';
(B) by striking ``$40,220'' and inserting
``$188,997'';
(C) by striking ``$48,029'' and inserting
``$228,448'';
(D) by striking ``$57,798'' and inserting
``$286,744'';
(E) by striking ``$67,950'' and inserting
``$324,922'';
(F) by striking ``$40,876'' and inserting
``$179,854'';
(G) by striking ``$46,859'' and inserting
``$206,180'';
(H) by striking ``$56,979'' and inserting
``$250,708'';
(I) by striking ``$73,710'' and inserting
``$324,324''; and
(J) by striking ``$80,913'' and inserting
``$356,017''; and
(7) in section 234(e)(3)(A) (12 U.S.C. 1715y(e)(3)(A))--
(A) by striking ``$42,048'' and inserting
``$185,011'';
(B) by striking ``$48,481'' and inserting
``$213,316'';
(C) by striking ``$58,469'' and inserting
``$257,263'';
(D) by striking ``$74,840'' and inserting
``$329,296'';
(E) by striking ``$83,375'' and inserting
``$366,850'';
(F) by striking ``$44,250'' and inserting
``$194,700'';
(G) by striking ``$50,724'' and inserting
``$223,186'';
(H) by striking ``$61,680'' and inserting
``$271,392'';
(I) by striking ``$79,793'' and inserting
``$351,089''; and
(J) by striking ``$87,588'' and inserting
``$385,387''.
<all>
Introduced in House
Introduced in House
Referred to the House Committee on Financial Services.
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