H.R. 6132

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6132 Introduced in House (IH)]

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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''.
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