[Congressional Record Volume 171, Number 113 (Monday, June 30, 2025)]
[Senate]
[Pages S4099-S4102]
From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]

  SA 2700. Mr. WARNER submitted an amendment intended to be proposed to 
amendment SA 2360 proposed by Mr. Thune (for Mr. Graham) to the bill 
H.R. 1, to provide for reconciliation pursuant to title II of H. Con. 
Res. 14; which was ordered to lie on the table; as follows:

        At the appropriate place, insert the following:

     SEC. _____. NEIGHBORHOOD HOMES CREDIT.

       (a) In General.--Subpart D of part IV of subchapter A of 
     chapter 1 is amended by inserting after section 42 the 
     following new section:

     ``SEC. 42A. NEIGHBORHOOD HOMES CREDIT.

       ``(a) Allowance of Credit.--For purposes of section 38, the 
     neighborhood homes credit determined under this section for 
     the taxable year is, with respect to each qualified residence 
     sold by the taxpayer during such taxable year in an 
     affordable sale, the lesser of--
       ``(1) an amount equal to--
       ``(A) the excess (if any) of--
       ``(i) the reasonable development costs paid or incurred by 
     the taxpayer with respect to such qualified residence, over
       ``(ii) the sale price of such qualified residence (reduced 
     by any reasonable expenses paid or incurred by the taxpayer 
     in connection with such sale), or
       ``(B) if the neighborhood homes credit agency determines it 
     is necessary to ensure financial feasibility, an amount not 
     to exceed 120 percent of the amount under subparagraph (A),
       ``(2) 40 percent of the eligible development costs paid or 
     incurred by the taxpayer with respect to such qualified 
     residence, or
       ``(3) 32 percent of the national median sale price for new 
     homes (as determined pursuant to the most recent census data 
     available as

[[Page S4100]]

     of the date on which the neighborhood homes credit agency 
     makes an allocation for the qualified project).
       ``(b) Development Costs.--For purposes of this section--
       ``(1) Reasonable development costs.--
       ``(A) In general.--The term `reasonable development costs' 
     means amounts paid or incurred for the acquisition of 
     buildings and land, construction, substantial rehabilitation, 
     demolition of structures, or environmental remediation, to 
     the extent that the neighborhood homes credit agency 
     determines that such amounts meet the standards specified 
     pursuant to subsection (f)(1)(D) (as of the date on which 
     construction or substantial rehabilitation is substantially 
     complete, as determined by such agency) and are necessary to 
     ensure the financial feasibility of such qualified residence.
       ``(B) Considerations in making determination.--In making 
     the determination under subparagraph (A), the neighborhood 
     homes credit agency shall consider--
       ``(i) the sources and uses of funds and the total 
     financing,
       ``(ii) any proceeds or receipts generated or expected to be 
     generated by reason of tax benefits, and
       ``(iii) the reasonableness of the developmental costs and 
     fees.
       ``(2) Eligible development costs.--The term `eligible 
     development costs' means the amount which would be reasonable 
     development costs if the amounts taken into account as paid 
     or incurred for the acquisition of buildings and land did not 
     exceed 75 percent of such costs determined without regard to 
     any amount paid or incurred for the acquisition of buildings 
     and land.
       ``(3) Substantial rehabilitation.--The term `substantial 
     rehabilitation' means amounts paid or incurred for 
     rehabilitation of a qualified residence if such amounts 
     exceed the greater of--
       ``(A) $25,000, or
       ``(B) 20 percent of the amounts paid or incurred by the 
     taxpayer for the acquisition of buildings and land with 
     respect to such qualified residence.
       ``(4) Construction and rehabilitation only after allocation 
     taken into account.--
       ``(A) In general.--The terms `reasonable development costs' 
     and `eligible development costs' shall not include any amount 
     paid or incurred before the date on which an allocation is 
     made to the taxpayer under subsection (e) with respect to the 
     qualified project of which the qualified residence is part 
     unless such amount is paid or incurred for the acquisition of 
     buildings or land.
       ``(B) Land and building acquisition costs.--Amounts paid or 
     incurred for the acquisition of buildings or land shall be 
     included under paragraph (A) only if paid or incurred not 
     more than 3 years before the date on which the allocation 
     referred to in subparagraph (A) is made. If the taxpayer 
     acquired any building or land from an entity (or any related 
     party to such entity) that holds an ownership interest in the 
     taxpayer, then such entity must also have acquired such 
     property within such 3-year period, and the acquisition cost 
     included under subparagraph (A) with respect to the taxpayer 
     shall not exceed the amount such entity paid or incurred to 
     acquire such property.
       ``(c) Qualified Residence.--For purposes of this section--
       ``(1) In general.--The term `qualified residence' means a 
     residence that--
       ``(A) is real property (constructed on-site or manufactured 
     off-site) affixed on a permanent foundation,
       ``(B) is--
       ``(i) a house which is comprised of 4 or fewer residential 
     units,
       ``(ii) a condominium unit, or
       ``(iii) a house or an apartment owned by a cooperative 
     housing corporation (as defined in section 216(b)),
       ``(C) is part of a qualified project with respect to which 
     the neighborhood homes credit agency has made an allocation 
     under subsection (e), and
       ``(D) is located in a qualified census tract (determined as 
     of the date of such allocation).
       ``(2) Qualified census tract.--
       ``(A) In general.--The term `qualified census tract' means 
     a census tract--
       ``(i) which--

       ``(I) has a median family income which does not exceed 80 
     percent of the median family income for the applicable area,
       ``(II) has a poverty rate that is not less than 130 percent 
     of the poverty rate of the applicable area, and
       ``(III) has a median value for owner-occupied homes that 
     does not exceed the median value for owner-occupied homes in 
     the applicable area,

       ``(ii) which--

       ``(I) is located in a city which has a population of not 
     less than 50,000 and such city has a poverty rate that is not 
     less than 150 percent of the poverty rate of the applicable 
     area,
       ``(II) has a median family income which does not exceed the 
     median family income for the applicable area, and
       ``(III) has a median value for owner-occupied homes that 
     does not exceed 80 percent of the median value for owner-
     occupied homes in the applicable area,

       ``(iii) which--

       ``(I) is located in a nonmetropolitan county,
       ``(II) has a median family income which does not exceed the 
     median family income for the applicable area, and
       ``(III) has been designated by a neighborhood homes credit 
     agency under this clause,

       ``(iv) which is not otherwise a qualified census tract and 
     is located in a disaster area (as defined in section 
     7508A(d)(3)), but only with respect to credits allocated in 
     any period during which the President of the United States 
     has determined that such area warrants individual or 
     individual and public assistance by the Federal Government 
     under the Robert T. Stafford Disaster Relief and Emergency 
     Assistance Act, or
       ``(v) which is not otherwise a qualified census tract and 
     is identified by the neighborhood homes credit agency, 
     through methodologies detailed in the qualified allocation 
     plan, as having a shortage of affordable owner-occupied 
     homes.
       ``(B) Applicable area.--The term `applicable area' means--
       ``(i) in the case of a metropolitan census tract, the 
     metropolitan area in which such census tract is located, and
       ``(ii) in the case of a census tract other than a census 
     tract described in clause (i), the State.
       ``(d) Affordable Sale.--For purposes of this section--
       ``(1) In general.--The term `affordable sale' means a sale 
     to a qualified homeowner of a qualified residence that the 
     neighborhood homes credit agency certifies as meeting the 
     standards promulgated under subsection (f)(1)(D) for a price 
     that does not exceed--
       ``(A) in the case of any qualified residence not described 
     in subparagraph (B), (C), or (D), the amount equal to the 
     product of 4 multiplied by the median family income for the 
     applicable area (as determined pursuant to the most recent 
     census data available as of the date of the contract for such 
     sale),
       ``(B) in the case of a house comprised of 2 residential 
     units, 125 percent of the amount described in subparagraph 
     (A),
       ``(C) in the case of a house comprised of 3 residential 
     units, 150 percent of the amount described in subparagraph 
     (A), or
       ``(D) in the case of a house comprised of 4 residential 
     units, 175 percent of the amount described in subparagraph 
     (A).
       ``(2) Qualified homeowner.--The term `qualified homeowner' 
     means, with respect to a qualified residence, an individual--
       ``(A) who owns and uses such qualified residence as the 
     principal residence of such individual, and
       ``(B) whose family income (determined as of the date that a 
     binding contract for the affordable sale of such residence is 
     entered into) is 140 percent or less of the median family 
     income for the applicable area in which the qualified 
     residence is located.
       ``(e) Credit Ceiling and Allocations.--
       ``(1) Credit limited based on allocations to qualified 
     projects.--
       ``(A) In general.--The credit allowed under subsection (a) 
     to any taxpayer for any taxable year with respect to one or 
     more qualified residences which are part of the same 
     qualified project shall not exceed the excess (if any) of--
       ``(i) the amount allocated by the neighborhood homes credit 
     agency under this paragraph to such taxpayer with respect to 
     such qualified project, over
       ``(ii) the aggregate amount of credit allowed under 
     subsection (a) to such taxpayer with respect to qualified 
     residences which are a part of such qualified project for all 
     prior taxable years.
       ``(B) Deadline for completion.--No credit shall be allowed 
     under subsection (a) with respect to any qualified residence 
     unless the affordable sale of such residence is during the 5-
     year period beginning on the date of the allocation to the 
     qualified project of which such residence is a part (or, in 
     the case of a qualified residence to which subsection (i) 
     applies, the rehabilitation of such residence is completed 
     during such 5-year period).
       ``(2) Limitations on allocations to qualified projects.--
       ``(A) Allocations limited by state neighborhood homes 
     credit ceiling.--The aggregate amount allocated to taxpayers 
     with respect to qualified projects by the neighborhood homes 
     credit agency of any State for any calendar year shall not 
     exceed the State neighborhood homes credit amount of such 
     State for such calendar year.
       ``(B) Set-aside for certain projects involving qualified 
     nonprofit organizations.--Rules similar to the rules of 
     section 42(h)(5) shall apply for purposes of this section.
       ``(3) Determination of state neighborhood homes credit 
     ceiling.--
       ``(A) In general.--The State neighborhood homes credit 
     amount for a State for a calendar year is an amount equal to 
     the sum of--
       ``(i) the greater of--

       ``(I) the product of $9, multiplied by the State population 
     (determined in accordance with section 146(j)), or
       ``(II) $12,000,000, and

       ``(ii) any amount previously allocated to any taxpayer with 
     respect to any qualified project by the neighborhood homes 
     credit agency of such State which can no longer be allocated 
     to any qualified residence because the 5-year period 
     described in paragraph (1)(B) expires during calendar year.
       ``(B) 3-year carryforward of unused limitation.--The State 
     neighborhood homes credit amount for a State for a calendar 
     year shall be increased by the excess (if any) of the State 
     neighborhood homes credit amount

[[Page S4101]]

     for such State for the preceding calendar year over the 
     aggregate amount allocated by the neighborhood homes credit 
     agency of such State during such preceding calendar year. Any 
     amount carried forward under the preceding sentence shall not 
     be carried past the third calendar year after the calendar 
     year in which such credit amount originally arose, determined 
     on a first-in, first-out basis.
       ``(f) Responsibilities of Neighborhood Homes Credit 
     Agencies.--
       ``(1) In general.--Notwithstanding subsection (e), the 
     State neighborhood homes credit dollar amount shall be zero 
     for a calendar year unless the neighborhood homes credit 
     agency of the State--
       ``(A) allocates such amount pursuant to a qualified 
     allocation plan of the neighborhood homes credit agency,
       ``(B) subject to paragraph (2), allocates not more than 20 
     percent of amounts allocated in the previous year (or for 
     allocations made in the first allocation year under this 
     section, not more than 20 percent of the neighborhood homes 
     credit ceiling for such year) to projects with respect to 
     qualified residences which--
       ``(i) are located in census tracts described in subsection 
     (c)(2)(A)(iii), (c)(2)(A)(iv), (i)(5), or
       ``(ii) are not located in a qualified census tract but meet 
     the requirements of subsection (i)(8),
       ``(C) subject to paragraph (2), in addition to any 
     allocation described in subparagraph (B), allocates not more 
     than 20 percent of amounts allocated in the previous year (or 
     for allocations made in the first allocation year under this 
     section, not more than 20 percent of the neighborhood homes 
     credit ceiling for such year) to projects with respect to 
     qualified residences which are located in any census tract 
     described in subsection (c)(2)(A)(v), except that, with 
     respect to any qualified residence located within such census 
     tract which is sold to a qualified homeowner, subsection 
     (d)(2) shall be applied by substituting `120 percent' for 
     `140 percent',
       ``(D) promulgates standards with respect to reasonable 
     qualified development costs and fees,
       ``(E) promulgates standards with respect to construction 
     quality which are consistent with building codes or other 
     standards required by the State or local jurisdiction in 
     which the project is located,
       ``(F) in the case of any neighborhood homes credit agency 
     which makes an allocation to a qualified project which 
     includes any qualified residence to which subsection (i) 
     applies, promulgates standards with respect to protecting the 
     owners of such residences, including the capacity of such 
     owners to pay rehabilitation costs not covered by the credit 
     provided by this section and providing for the disclosure to 
     such owners of their rights and responsibilities with respect 
     to the rehabilitation of such residences,
       ``(G) submits to the Secretary (at such time and in such 
     manner as the Secretary may prescribe) an annual report 
     specifying--
       ``(i) the amount of the neighborhood homes credits 
     allocated to each qualified project for the previous year,
       ``(ii) with respect to each qualified residence completed 
     in the preceding calendar year--

       ``(I) the census tract in which such qualified residence is 
     located,
       ``(II) with respect to the qualified project that includes 
     such qualified residence, the year in which such project 
     received an allocation under this section,
       ``(III) whether such qualified residence was new, 
     substantially rehabilitated and sold to a qualified 
     homeowner, or substantially rehabilitated pursuant to 
     subsection (i),
       ``(IV) the eligible development costs of such qualified 
     residence,
       ``(V) the amount of the neighborhood homes credit with 
     respect to such qualified residence,
       ``(VI) the sales price of such qualified residence, if 
     applicable, and
       ``(VII) the family income of the qualified homeowner 
     (expressed as a percentage of the applicable area median 
     family income for the location of the qualified residence), 
     and

       ``(iii) such other information as the Secretary may 
     require,
       ``(H) makes available to the general public a written 
     explanation for any allocation of a neighborhood homes credit 
     dollar amount which is not made in accordance with 
     established priorities and selection criteria of the 
     neighborhood homes credit agency, and
       ``(I) provide educational outreach on application and 
     compliance requirements, including for small residential 
     builders and remodelers.
       ``(2) Alternative for certain states.--
       ``(A) In general.--In the case of any State which, for a 
     calendar year, is an applicable State (as defined in 
     subparagraph (B)), in lieu of the requirements under 
     subparagraphs (B) and (C) of paragraph (1), the neighborhood 
     homes credit agency of the State may elect to allocate not 
     more than 40 percent of amounts allocated in the previous 
     year (or for allocations made in the first allocation year 
     under this section, not more than 40 percent of the 
     neighborhood homes credit ceiling for such year) to projects 
     with respect to qualified residences which are described in 
     either subparagraph (B) or (C) of paragraph (1).
       ``(B) Applicable state.--For purposes of this paragraph, 
     the term `applicable State' means a State which, for purposes 
     of the determining the amount under subsection (e)(3)(A)(i) 
     for the calendar year with respect to such State, received 
     the amount described in subclause (II) of such subsection.
       ``(3) Qualified allocation plan.--For purposes of this 
     subsection, the term `qualified allocation plan' means any 
     plan which--
       ``(A) sets forth the selection criteria to be used to 
     prioritize qualified projects for allocations of State 
     neighborhood homes credit dollar amounts, including--
       ``(i) the need for new or substantially rehabilitated 
     owner-occupied homes in the area addressed by the project,
       ``(ii) the expected contribution of the project to 
     neighborhood stability and revitalization, including the 
     impact on neighborhood residents,
       ``(iii) the capability and prior performance of the project 
     sponsor, and
       ``(iv) the likelihood the project will result in long-term 
     homeownership,
       ``(B) has been made available for public comment,
       ``(C) as determined by the neighborhood homes credit 
     agency, is likely to result in the selection of highly 
     qualified applicants while also minimizing, to the extent 
     practicable, application costs and barriers to entry for 
     small residential builders and re-modelers, and
       ``(D) provides a procedure that the neighborhood homes 
     credit agency (or any agent or contractor of such agency) 
     shall follow for purposes of--
       ``(i) identifying noncompliance with any provisions of this 
     section, and
       ``(ii) notifying the Internal Revenue Service of any such 
     noncompliance of which the agency becomes aware.
       ``(g) Repayment.--
       ``(1) In general.--
       ``(A) Sold during 5-year period.--If a qualified residence 
     is sold during the 5-year period beginning immediately after 
     the affordable sale of such qualified residence referred to 
     in subsection (a), the seller shall transfer an amount equal 
     to the repayment amount to the relevant neighborhood homes 
     credit agency.
       ``(B) Use of repayments.--A neighborhood homes credit 
     agency shall use any amount received pursuant to subparagraph 
     (A) only for purposes of qualified projects.
       ``(2) Repayment amount.--For purposes of paragraph (1)(A)--
       ``(A) In general.--The repayment amount is an amount equal 
     to the applicable percentage of the gain from the sale to 
     which the repayment relates.
       ``(B) Applicable percentage.--For purposes of subparagraph 
     (A), the applicable percentage is 50 percent, reduced by 10 
     percentage points for each year of the 5-year period referred 
     to in paragraph (1)(A) which ends before the date of such 
     sale.
       ``(3) Lien for repayment amount.--A neighborhood homes 
     credit agency receiving an allocation under this section 
     shall place a lien on each qualified residence that is built 
     or rehabilitated as part of a qualified project for an amount 
     such agency deems necessary to ensure potential repayment 
     pursuant to paragraph (1)(A).
       ``(4) Waiver.--
       ``(A) In general.--The neighborhood homes credit agency may 
     waive the repayment required under paragraph (1)(A) if the 
     agency determines that making a repayment would constitute a 
     hardship to the seller.
       ``(B) Hardship.--For purposes of subparagraph (A), with 
     respect to the seller, a hardship may include--
       ``(i) divorce,
       ``(ii) disability,
       ``(iii) illness, or
       ``(iv) any other hardship identified by the neighborhood 
     homes credit agency for purposes of this paragraph.
       ``(h) Other Definitions and Special Rules.--For purposes of 
     this section--
       ``(1) Neighborhood homes credit agency.--The term 
     `neighborhood homes credit agency' means the agency 
     designated by the governor of a State as the neighborhood 
     homes credit agency of the State.
       ``(2) Qualified project.--The term `qualified project' 
     means a project that a neighborhood homes credit agency 
     certifies will build or substantially rehabilitate one or 
     more qualified residences.
       ``(3) Determinations of family income.--Rules similar to 
     the rules of section 143(f)(2) shall apply for purposes of 
     this section.
       ``(4) Possessions treated as states.--The term `State' 
     includes the District of Columbia and the possessions of the 
     United States.
       ``(5) Special rules related to condominiums and cooperative 
     housing corporations.--
       ``(A) Determination of development costs.--In the case of a 
     qualified residence described in clause (ii) or (iii) of 
     subsection (c)(1)(A), the reasonable development costs and 
     eligible development costs of such qualified residence shall 
     be an amount equal to such costs, respectively, of the entire 
     condominium or cooperative housing property in which such 
     qualified residence is located, multiplied by a fraction--
       ``(i) the numerator of which is the total floor space of 
     such qualified residence, and
       ``(ii) the denominator of which is the total floor space of 
     all residences within such property.
       ``(B) Tenant-stockholders of cooperative housing 
     corporations treated as owners.--In the case of a cooperative 
     housing corporation (as such term is defined in section 
     216(b)), a tenant-stockholder shall be treated as owning the 
     house or apartment which such person is entitled to occupy.

[[Page S4102]]

       ``(6) Related party sales not treated as affordable 
     sales.--
       ``(A) In general.--A sale between related persons shall not 
     be treated as an affordable sale.
       ``(B) Related persons.--For purposes of this paragraph, a 
     person (in this subparagraph referred to as the `related 
     person') is related to any person if the related person bears 
     a relationship to such person specified in section 267(b) or 
     707(b)(1), or the related person and such person are engaged 
     in trades or businesses under common control (within the 
     meaning of subsections (a) and (b) of section 52). For 
     purposes of the preceding sentence, in applying section 
     267(b) or 707(b)(1), `10 percent' shall be substituted for 
     `50 percent'.
       ``(7) Inflation adjustment.--
       ``(A) In general.--In the case of a calendar year after 
     2025, the dollar amounts in subsections (b)(3)(A), 
     (e)(3)(A)(i)(I), (e)(3)(A)(i)(II), and (i)(2)(C) shall each 
     be increased by an amount equal to--
       ``(i) such dollar amount, multiplied by
       ``(ii) the cost-of-living adjustment determined under 
     section 1(f)(3) for such calendar year by substituting 
     `calendar year 2024' for `calendar year 2016' in subparagraph 
     (A)(ii) thereof.
       ``(B) Rounding.--
       ``(i) In the case of the dollar amounts in subsections 
     (b)(3)(A) and (i)(2)(C), any increase under paragraph (1) 
     which is not a multiple of $1,000 shall be rounded to the 
     nearest multiple of $1,000.
       ``(ii) In the case of the dollar amount in subsection 
     (e)(3)(A)(i)(I), any increase under paragraph (1) which is 
     not a multiple of $0.01 shall be rounded to the nearest 
     multiple of $0.01.
       ``(iii) In the case of the dollar amount in subsection 
     (e)(3)(A)(i)(II), any increase under paragraph (1) which is 
     not a multiple of $100,000 shall be rounded to the nearest 
     multiple of $100,000.
       ``(8) Report.--
       ``(A) In general.--The Secretary shall annually issue a 
     report, to be made available to the public, which contains 
     the information submitted pursuant to subsection (f)(1)(G).
       ``(B) De-identification.--The Secretary shall ensure that 
     any information made public pursuant to subparagraph (A) 
     excludes any information that would allow for the 
     identification of qualified homeowners.
       ``(9) List of qualified census tracts.--The Secretary of 
     Housing and Urban Development shall, for each year, make 
     publicly available a list of qualified census tracts under--
       ``(A) on a combined basis, clauses (i) and (ii) of 
     subsection (c)(2)(A),
       ``(B) clause (iii) of such subsection, and
       ``(C) subsection (i)(5)(A).
       ``(10) Denial of deductions if converted to rental 
     housing.--If, during the 5-year period beginning immediately 
     after the affordable sale of a qualified residence referred 
     to in subsection (a), an individual who owns a qualified 
     residence (whether or not such individual was the purchaser 
     in such affordable sale) fails to use such qualified 
     residence as such individual's principal residence for any 
     period of time, no deduction shall be allowed for expenses 
     paid or incurred by such individual with respect to renting, 
     during such period of time, such qualified residence.
       ``(i) Application of Credit With Respect to Owner-Occupied 
     Rehabilitations.--
       ``(1) In general.--In the case of a qualified 
     rehabilitation by the taxpayer of any qualified residence 
     which is owned (as of the date that the written binding 
     contract referred to in paragraph (3) is entered into) by a 
     specified homeowner, the rules of paragraphs (2) through (7) 
     shall apply.
       ``(2) Alternative credit determination.--In the case of any 
     qualified residence described in paragraph (1), the 
     neighborhood homes credit determined under subsection (a) 
     with respect to such residence shall (in lieu of any credit 
     otherwise determined under subsection (a) with respect to 
     such residence) be allowed in the taxable year during which 
     the qualified rehabilitation is completed (as determined by 
     the neighborhood homes credit agency) and shall be equal to 
     the least of--
       ``(A) the excess (if any) of--
       ``(i) the amounts paid or incurred by the taxpayer for the 
     qualified rehabilitation of the qualified residence to the 
     extent that such amounts are certified by the neighborhood 
     homes credit agency (at the time of the completion of such 
     rehabilitation) as meeting the standards specified pursuant 
     to subsection (f)(1)(D), over
       ``(ii) any amounts paid to such taxpayer for such 
     rehabilitation,
       ``(B) 50 percent of the amounts described in subparagraph 
     (A)(i), or
       ``(C) $50,000.
       ``(3) Qualified rehabilitation.--
       ``(A) In general.--For purposes of this subsection, the 
     term `qualified rehabilitation' means a rehabilitation or 
     reconstruction performed pursuant to a written binding 
     contract between the taxpayer and the specified homeowner if 
     the amount paid or incurred by the taxpayer in the 
     performance of such rehabilitation or reconstruction exceeds 
     the dollar amount in effect under subsection (b)(3)(A).
       ``(B) Application of limitation to expenses paid or 
     incurred after allocation.--A rule similar to the rule of 
     section (b)(4) shall apply for purposes of this subsection.
       ``(4) Specified homeowner.--For purposes of this 
     subsection, the term `specified homeowner' means, with 
     respect to a qualified residence, an individual--
       ``(A) who owns and uses such qualified residence as the 
     principal residence of such individual as of the date that 
     the written binding contract referred to in paragraph (3) is 
     entered into, and
       ``(B) whose family income (determined as of such date) does 
     not exceed the median family income for the applicable area 
     (with respect to the census tract in which the qualified 
     residence is located).
       ``(5) Additional census tracts in which owner-occupied 
     residences may be located.--In the case of any qualified 
     residence described in paragraph (1), the term `qualified 
     census tract' includes any census tract which--
       ``(A) meets the requirements of subsection (c)(2)(A)(i) 
     without regard to subclause (III) thereof, and
       ``(B) is designated by the neighborhood homes credit agency 
     for purposes of this paragraph.
       ``(6) Modification of repayment requirement.--In the case 
     of any qualified residence described in paragraph (1), 
     subsection (g) shall be applied by beginning the 5-year 
     period otherwise described therein on the date on which the 
     qualified homeowner acquired such residence.
       ``(7) Related parties.--Paragraph (1) shall not apply if 
     the taxpayer is the owner of the qualified residence 
     described in paragraph (1) or is related (within the meaning 
     of subsection (h)(6)(B)) to such owner.
       ``(8) Pyrrhotite remediation.--The requirement of 
     subsection (c)(1)(D) shall not apply to a qualified 
     rehabilitation under this subsection of a qualified residence 
     that is documented by an engineer's report and core testing 
     to have a foundation that is adversely impacted by pyrrhotite 
     or other iron sulfide minerals.
       ``(j) Regulations.--The Secretary shall prescribe such 
     regulations as may be necessary or appropriate to carry out 
     the purposes of this section, including regulations that 
     prevent avoidance of the rules, and abuse of the purposes, of 
     this section.''.
       (b) Credit Allowed as Part of General Business Credit.--
     Section 38(b) is amended by striking ``plus'' at the end of 
     paragraph (40), by striking the period at the end of 
     paragraph (41) and inserting ``, plus'', and by adding at the 
     end the following new paragraph:
       ``(42) the neighborhood homes credit determined under 
     section 42A(a).''.
       (c) Credit Allowed Against Alternative Minimum Tax.--
     Section 38(c)(4)(B) is amended by redesignating clauses (iv) 
     through (xii) as clauses (v) through (xiii), respectively, 
     and by inserting after clause (iii) the following new clause:
       ``(iv) the credit determined under section 42A,''.
       (d) Basis Adjustments.--
       (1) Energy efficient home improvement credit.--Section 
     25C(g) is amended by adding after the first sentence the 
     following new sentence: ``This subsection shall not apply for 
     purposes of determining the eligible development costs or 
     adjusted basis of any building under section 42A.''.
       (2) Residential clean energy credit.--Section 25D(f) is 
     amended by adding after the first sentence the following new 
     sentence: ``This subsection shall not apply for purposes of 
     determining the eligible development costs or adjusted basis 
     of any building under section 42A.''.
       (3) New energy efficient home credit.--Section 45L(e) is 
     amended by inserting ``or for purposes of determining the 
     eligible development costs or adjusted basis of any building 
     under section 42A'' after ``section 42''.
       (e) Exclusion From Gross Income.--Part III of subchapter B 
     of chapter 1, as amended by this Act, is amended by inserting 
     before section 140 the following new section:

     ``SEC. 139M. STATE ENERGY SUBSIDIES FOR QUALIFIED RESIDENCES.

       ``(a) Exclusion From Gross Income.--Gross income shall not 
     include the value of any subsidy provided to a taxpayer 
     (whether directly or indirectly) by any State energy office 
     (as defined in section 124(a) of the Energy Policy Act of 
     2005 (42 U.S.C. 15821(a))) for purposes of any energy 
     improvements made to a qualified residence (as defined in 
     section 42A(c)(1)).''.
       (f) Conforming Amendments.--
       (1) Subsections (i)(3)(C), (i)(6)(B)(i), and (k)(1) of 
     section 469 are each amended by inserting ``or 42A'' after 
     ``section 42''.
       (2) The table of sections for subpart D of part IV of 
     subchapter A of chapter 1 is amended by inserting after the 
     item relating to section 42 the following new item:

``Sec. 42A. Neighborhood homes credit.''.
       (3) The table of sections for part III of subchapter B of 
     chapter 1, as amended by this Act, is amended by inserting 
     before the item relating to section 140 the following new 
     item:

``Sec. 139M. State energy subsidies for qualified residences.''.
       (g) Effective Date.--The amendments made by this section 
     shall apply to taxable years beginning after December 31, 
     2025.
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