119 HR 6132 IH: Housing Affordability Act
U.S. House of Representatives
2025-11-19
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I
119th CONGRESS
1st Session
H. R. 6132
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.
1.

Short title
This Act may be cited as the “Housing Affordability Act”.
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”.