I 

118TH CONGRESS 

2D SESSION H. R. 10213 

To establish a whole-home repairs program for eligible homeowners and 

eligible landlords, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

NOVEMBER 21, 2024 

Mr. FLOOD (for himself and Ms. WILLIAMS of Georgia) introduced the 

following bill; which was referred to the Committee on Financial Services 

A BILL 

To establish a whole-home repairs program for eligible 

homeowners and eligible landlords, and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Whole-Home Repairs 

5 Act of 2024’’. 

6 SEC. 2. DEFINITIONS. 

7 In this Act: 

8 (1) AFFORDABLE UNIT.—The term ‘‘affordable 

9 unit’’ means a unit with a rental payment that is af10 fordable to a tenant with an income at or below 80 


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1 percent of the area median income, as defined by the 

2 Secretary. 

3 (2) ASSISTED UNIT.—The term ‘‘assisted unit’’ 

4 means a unit that undergoes repair or rehabilitation 

5 work through a whole-home repairs program admin6 istered by an implementing organization under this 

7 Act. 

8 (3) ELIGIBLE HOMEOWNER.—The term ‘‘eligi9 ble homeowner’’ means a homeowner— 

10 (A) with a household income that— 

11 (i) is not more than 80 percent of the 

12 area median income; 

13 (ii) is not more than 200 percent of 

14 the Federal poverty guidelines, as deter15 mined by the Secretary of Health and 

16 Human Services; or 

17 (iii) meets the income eligibility cri18 teria of another program used by a Fed19 eral agency for programs focusing on fami20 lies of limited means, as determined by the 

21 Secretary; and 

22 (B) who is— 

23 (i) an owner of record as evidenced by 

24 a publicly recorded deed and occupies the 


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1 home on which repairs are to be conducted 

2 as their principal residence; 

3 (ii) an owner-occupant of the manu4 factured home on which repairs are to be 

5 conducted; or 

6 (iii) an equitable owner who can dem7 onstrate an ownership interest in the prop8 erty on which repairs are to be conducted, 

9 including a person who has inherited an in10 terest in that property. 

11 (4) ELIGIBLE LANDLORD.—The term ‘‘eligible 

12 landlord’’ means an individual— 

13 (A) who owns, as determined by the rel14 evant implementing organization, fewer than 10 

15 residential rental properties, with a majority of 

16 affordable units and not more than 50 total 

17 units, operated as primary residences in which 

18 a majority ownership interest is held by the in19 dividual, the spouse of the individual, or the de20 pendent children of the individual, or any close21 ly held legal entity controlled by the individual, 

22 the spouse of the individual, or the dependent 

23 children of the individual, either individually or 

24 collectively; and 


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1 (B) who agrees to the provisions described 

2 in section 3(c). 

3 (5) ELIGIBLE RENTAL PROPERTY.—The term 

4 ‘‘eligible rental property’’ is a residential property 

5 that is leased, or offered exclusively for lease, as a 

6 primary residence. 

7 (6) FORGIVABLE LOAN.—The term ‘‘forgivable 

8 loan’’ means a loan— 

9 (A) made to an eligible landlord; 

10 (B) that is secured by a lien recorded 

11 against a residential property; and 

12 (C) that may be forgiven by the imple13 menting organization not later than the date 

14 that is 3 years after the completion of the re15 pairs if the eligible landlord has maintained 

16 compliance with the loan agreement described 

17 in section 3(c). 

18 (7) IMPLEMENTING ORGANIZATION.—The term 

19 ‘‘implementing organization’’— 

20 (A) means a unit of general local govern21 ment or a State that will administer a whole22 home repairs program through an agency, de23 partment, or other entity or enter into agree24 ments with 1 or more local governments, mu25 nicipal authorities, other governmental authoriVerDate Sep 11 2014 20:11 Nov 26, 2024 Jkt 059200 PO 00000 Frm 00004 Fmt 6652 Sfmt 6201 E:\BILLS\H10213.IH H10213

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1 ties, or qualified nonprofits to administer a 

2 whole-home repairs program as a sub-recipient; 

3 and 

4 (B) does not include a redundant entity in 

5 a jurisdiction already served by a grantee under 

6 section 3. 

7 (8) INDIAN TRIBE.—The term ‘‘Indian Tribe’’ 

8 has the meaning given the term ‘‘Indian tribe’’ in 

9 section 4 of the Native American Housing Assist10 ance and Self-Determination Act of 1996 (25 U.S.C. 

11 4103). 

12 (9) QUALIFIED NONPROFIT.—The term ‘‘quali13 fied nonprofit’’ means a nonprofit organization that 

14 has— 

15 (A) received funding, as a recipient or sub16 recipient, through— 

17 (i) the Community Development Block 

18 Grant program under title I of the Hous19 ing and Community Development Act of 

20 1974 (42 U.S.C. 5301 et seq.); 

21 (ii) the HOME Investment Partner22 ships program under subtitle A of title II 

23 of the Cranston-Gonzalez National Afford24 able Housing Act (42 U.S.C. 12741 et 

25 seq.); 


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1 (iii) the Lead-Based Paint Hazard 

2 Reduction grant program under section 

3 1011 of the Residential Lead-Based Paint 

4 Hazard Reduction Act of 1992 (42 U.S.C. 

5 4852) or a grant under the Healthy 

6 Homes Initiative administered by the Sec7 retary pursuant to sections 501 and 502 of 

8 the Housing and Urban Development Act 

9 of 1970 (12 U.S.C. 1701z–1, 1701z–2); 

10 (iv) the Self-Help and Assisted Home11 ownership Opportunity program authorized 

12 under section 11 of the Housing Oppor13 tunity Program Extension Act of 1996 (42 

14 U.S.C. 12805 note); 

15 (v) a rural housing program under 

16 title V of the Housing Act of 1949 (42 

17 U.S.C. 1471 et seq.); 

18 (vi) the Neighborhood Reinvestment 

19 Corporation established under the Neigh20 borhood Reinvestment Corporation Act (42 

21 U.S.C. 8101 et seq.); or 

22 (vii) any other program as determined 

23 by the Secretary; 

24 (B) coordinated, performed, or otherwise 

25 been engaged in weatherization, lead remediVerDate Sep 11 2014 20:11 Nov 26, 2024 Jkt 059200 PO 00000 Frm 00006 Fmt 6652 Sfmt 6201 E:\BILLS\H10213.IH H10213

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1 ation, or home-repair work for not less than 2 

2 years; or 

3 (C) been certified by the Environmental 

4 Protection Agency, or by a State authorized by 

5 the Environmental Protection Agency to admin6 ister a certification program, as— 

7 (i) eligible to carry out activities 

8 under the lead renovation, repair and 

9 painting program; or 

10 (ii) a Home Certification Organization 

11 under the Energy Star program estab12 lished by section 324A of the Energy Pol13 icy and Conservation Act (42 U.S.C. 

14 6294a) or the WaterSense program under 

15 section 324B of that Act (42 U.S.C. 

16 6294b), or recognized or otherwise ap17 proved by the Environmental Protection 

18 Agency as a Home Certification Organiza19 tion under either of those programs. 

20 (10) SECRETARY.—The term ‘‘Secretary’’ 

21 means the Secretary of Housing and Urban Develop22 ment. 

23 (11) STATE.—The term ‘‘State’’ means— 

24 (A) each State of the United States; 

25 (B) the District of Columbia; 


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1 (C) the Commonwealth of Puerto Rico; 

2 (D) any territory or possession of the 

3 United States; and 

4 (E) an Indian Tribe. 

5 (12) WHOLE-HOME REPAIRS.—The term 

6 ‘‘whole-home repairs’’ means modifications, repairs, 

7 or updates to homeowner or renter-occupied units to 

8 address— 

9 (A) physical and sensory accessibility for 

10 individuals with disabilities and older adults, 

11 such as bathroom and kitchen modifications, in12 stallation of grab bars and handrails, guards 

13 and guardrails, lifting devices, ramp additions 

14 or repairs, sidewalk addition or repair, or door15 way or hallway widening; 

16 (B) habitability and safety concerns, such 

17 as repairs needed to ensure residential units are 

18 fit for human habitation and free from defective 

19 conditions or health and safety hazards; 

20 (C) energy and water efficiency, resilience, 

21 and weatherization; or 

22 (D) other conditions as determined by the 

23 Secretary. 


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1 SEC. 3. PILOT PROGRAM. 

2 (a) ESTABLISHMENT.—Not later than 1 year after 

3 the date of enactment of this Act, the Secretary shall es4 tablish a pilot program to provide grants to implementing 

5 organizations to administer a whole-home repairs program 

6 for eligible homeowners and eligible landlords. 

7 (b) USE OF FUNDS.—An implementing organization 

8 that receives a grant under this section— 

9 (1) shall provide grants to eligible homeowners 

10 to implement whole-home repairs up to a maximum 

11 amount per unit, which maximum amount should— 

12 (A) reflect local construction costs; 

13 (B) be calculated by the implementing or14 ganization; and 

15 (C) be approved by the Secretary; 

16 (2) shall provide loans, which may be forgivable 

17 loans, to eligible landlords to implement whole-home 

18 repairs for individual affordable units, public and 

19 common use areas within the property, and common 

20 structural elements up to a maximum amount per 

21 unit, area, or element, as applicable, which max22 imum amount should— 

23 (A) reflect local construction costs; 

24 (B) be calculated by the implementing or25 ganization; and 

26 (C) be approved by the Secretary; 


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1 (3) shall evaluate, or provide assistance to eligi2 ble homeowners and eligible landlords to evaluate, 

3 whole-home repair program funds provided under 

4 this section with Federal, State, and local home re5 pair programs to provide the greatest benefit to the 

6 greatest number of eligible landlords and eligible 

7 homeowners and avoid redundancy; 

8 (4) shall ensure that— 

9 (A) all repairs funded or facilitated 

10 through an award under this section have been 

11 completed; 

12 (B) if repairs are not completed and the 

13 plan for whole-home repairs is not updated to 

14 reflect the new scope of work, that the loan or 

15 grant is repaid on a prorated basis based on 

16 completed work; and 

17 (C) any unused grant or loan balance is re18 turned to the implementing organization; 

19 (5) may use not more than 10 percent of the 

20 awarded funds to carry out related functions, includ21 ing workforce training, which shall be related to ef22 forts to increase the number of home repairs per23 formed and approved by the Secretary; 

24 (6) may use not more than 10 percent of the 

25 awarded funds for administrative expenses; and 


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1 (7) shall comply with Federal accessibility re2 quirements and standards under applicable Federal 

3 fair housing and civil rights laws and regulations, in4 cluding section 504 of the Rehabilitation Act of 

5 1973 (29 U.S.C. 794). 

6 (c) LOAN AGREEMENT.—In a loan agreement with 

7 an eligible landlord under this section, an implementing 

8 organization shall include provisions establishing that the 

9 eligible landlord shall, for each eligible rental property for 

10 which a loan is used to fund repairs under this section— 

11 (1) comply with Federal accessibility require12 ments and standards under applicable Federal fair 

13 housing and civil rights laws and regulations, includ14 ing section 504 of the Rehabilitation Act of 1973 

15 (29 U.S.C. 794); and 

16 (2)(A) if the landlord is renting the assisted 

17 units available in the eligible rental property to ten18 ants receiving tenant-based rental assistance under 

19 section 8(o) of the United States Housing Act of 

20 1937 (42 U.S.C. 1437f(o)), under another tenant21 based rental assistance program administered by the 

22 Secretary or the Secretary of Agriculture, or under 

23 a tenant-based rental subsidy provided by a State or 

24 local government, comply with the program requireVerDate Sep 11 2014 20:11 Nov 26, 2024 Jkt 059200 PO 00000 Frm 00011 Fmt 6652 Sfmt 6201 E:\BILLS\H10213.IH H10213

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1 ments under the relevant tenant-based rental assist2 ance program; or 

3 (B) if the eligible landlord is not renting to ten4 ants receiving rental-based assistance as described in 

5 subparagraph (A)— 

6 (i)(I) offer to extend the lease of current 

7 tenants on current terms, other than the terms 

8 described in clause (iv), for not less than 3 

9 years beginning after the completion of the re10 pairs, unless the lease is terminated due to fail11 ure to pay rent, property damage, performance 

12 of an illegal act within the rental unit, a direct 

13 threat to the safety of the tenants, or a viola14 tion of an obligation of tenancy that the tenants 

15 failed to correct after notice; and 

16 (II) if the tenant of an assisted unit moves 

17 out of the assisted unit at any point in the 3- 

18 year period following the loan agreement, main19 tain the unit as an affordable unit;provide docu20 mentation verifying that the property, upon 

21 completion of approved renovations, has met all 

22 applicable State and local housing and building 

23 codes; 

24 (ii) attest that the landlord has no known 

25 serious violations of renter protections that 


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1 have resulted in fines, penalties, or judgments 

2 during the preceding 10 years; and 

3 (iii) cap annual rent increases for each as4 sisted unit at 5 percent of base rent or infla5 tion, whichever is lower, for not less than 3 

6 years beginning after the completion of the re7 pairs. 

8 (d) APPLICATION.— 

9 (1) IN GENERAL.—An implementing organiza10 tion desiring an award under this section shall sub11 mit to the Secretary an application that includes— 

12 (A) the geographic scope of the whole13 home repairs program to be administered by 

14 the implementing organization, including the 

15 plan to address need in any rural, suburban, or 

16 urban area within a jurisdiction; 

17 (B) a plan for selecting sub-recipients, if 

18 applicable; 

19 (C) how the implementing organization 

20 plans to execute the coordination of Federal, 

21 State, and local home repair programs, includ22 ing programs administered by the Department 

23 of Energy or the Department of Agriculture, to 

24 increase efficiency and reduce redundancy; 


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1 (D) available data on the need for afford2 able and quality housing, and any plans to pre3 serve affordability through the term of the 

4 award; 

5 (E) how the implementing organization 

6 plans to process and verify applications for 

7 grants from eligible homeowners and applica8 tions for loans from eligible landlords; and 

9 (F) such other information as the Sec10 retary requires to determine the ability of an 

11 applicant to carry out a program under this 

12 section. 

13 (2) CONSIDERATIONS.—In making awards 

14 under this section, the Secretary shall— 

15 (A) with respect to applications submitted 

16 by States other than the District of Columbia 

17 and the territories of the United States, 

18 prioritize those applications with a dem19 onstrated plan to— 

20 (i) make a good faith effort to imple21 ment the pilot program in every jurisdic22 tion; and 

23 (ii) provide non-metropolitan areas, or 

24 sub-recipients serving non-metropolitan 


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1 areas if applicable, with a share of total 

2 funds commensurate to their population; 

3 (B) aim to select applicants so that the 

4 awardees collectively span diverse geographies, 

5 with an intent to understand the impact of the 

6 pilot program under this section in urban, sub7 urban, rural, and Tribal settings; and 

8 (C) not disqualify implementing organiza9 tions that were awarded grants under the pilot 

10 program in prior application cycles. 

11 (e) PROGRAM INFORMATION.—The Secretary shall 

12 make available to grant recipients under this section infor13 mation regarding existing Federal programs for which 

14 grant recipients may coordinate or provide assistance in 

15 coordinating applications for those programs in accord16 ance with subsection (b)(3). 

17 (f) GRANT NUMBER.—In each year in which an 

18 award is made under this section, the Secretary shall 

19 award assistance to— 

20 (1) not less than 2, and not more than 10, im21 plementing organizations, as application numbers 

22 and funding permit; and 

23 (2) not more than 1 implementing organization 

24 in any State. 


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1 (g) LOANS THAT ARE NOT FORGIVEN.—If a loan 

2 made by an implementing organization under subsection 

3 (b)(2) is not forgiven, the loan repayment funds may be 

4 reused by the implementing organization for a new whole5 home repair grant or loan under this section. 

6 (h) SUPPLEMENT, NOT SUPPLANT.—Amounts 

7 awarded under this section to implementing organizations 

8 shall supplement, not supplant, other Federal, State, and 

9 local funds made available to those entities. 

10 (i) STREAMLINING PROGRAM DELIVERY AND ENSUR11 ING EFFICIENCY.—To the extent possible, in carrying out 

12 the pilot program under this section, the Secretary shall— 

13 (1) endeavor to improve efficiency of service de14 livery, as well as the experience of and impact on the 

15 taxpayer, by encouraging programmatic collabora16 tion and information sharing across Federal, State, 

17 and local programs for home repair or improvement, 

18 including programs administered by the Department 

19 of the Agriculture; and 

20 (2) enhance collaboration and cross-agency 

21 streamlining efforts that reduce the burdens of mul22 tiple income verification processes and applications 

23 on the eligible homeowner, the eligible landlord, the 

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1 tion procedures for income eligibility under this Act 

2 that recognize income eligibility determinations for 

3 assistance using any of the criteria under section 

4 2(2)(A) that have been used for assistance applica5 tions during the 1-year period preceding the date on 

6 which an eligible homeowner or eligible landlord ap7 plies for assistance under this Act. 

8 (j) REPORTING REQUIREMENTS.— 

9 (1) ANNUAL REPORT.—An implementing orga10 nization that receives a grant under this section 

11 shall submit to the Secretary an annual report on 

12 initial funding that includes— 

13 (A) the number of units served, including 

14 reporting on both homeownership and rental 

15 units; 

16 (B) the average cost per unit for modifica17 tions or repairs and the nature of those modi18 fications or repairs, including reporting on both 

19 homes and rental units; 

20 (C) the number of applications received, 

21 served, denied, or not completed; 

22 (D) the aggregated demographic data of 

23 grant recipients, which may include data on in24 come range, urban, suburban, and rural resi25 dency, age, and racial and ethnic identity; 


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1 (E) the aggregated demographic data of 

2 loan recipients, which may include data on in3 come range, urban, suburban, and rural resi4 dency, age, and racial and ethnic identity; 

5 (F) in the first year of receiving a grant, 

6 and as certified in subsequent reports, a com7 prehensive plan to prevent waste, fraud, and 

8 abuse in the administration of the pilot pro9 gram, which shall include, at a minimum— 

10 (i) a policy enacted and enforced by 

11 the implementing organization to monitor 

12 ongoing expenditures under this title and 

13 ensure compliance with applicable regula14 tions, including compliance with Federal 

15 accessibility requirements; 

16 (ii) a policy enacted and enforced by 

17 the implementing organization to detect 

18 and deter fraudulent activity, including 

19 fraud occurring in individual projects and 

20 patterns of fraud by parties involved in the 

21 expenditure of funds under this section; 

22 (iii) a statement setting forth any vio23 lations detected by the implementing orga24 nization during the previous calendar year, 

25 including details about steps taken to 


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1 achieve compliance and any remedial meas2 ures; and 

3 (iv) a certification by the chief execu4 tive or most senior compliance officer of 

5 the organization that the organization 

6 maintains sufficient staff and resources to 

7 effectively carry out the above-mentioned 

8 policies; and 

9 (G) such other information as the Sec10 retary may require. 

11 (2) REPORTING REQUIREMENT ALIGNMENT.— 

12 To limit the costs of implementing the pilot program 

13 under this section, the Secretary shall endeavor, to 

14 the extent possible, to structure reporting require15 ments such that they align with the data reporting 

16 requirements in place for funding streams that im17 plementing organizations are likely to use in part18 nership with funding from this section, including the 

19 reporting requirements under— 

20 (A) the Community Development Block 

21 Grant program under title I of the Housing and 

22 Community Development Act of 1974 (42 

23 U.S.C. 5301 et seq.); 

24 (B) the HOME Investment Partnerships 

25 program under subtitle A of title II of the 


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1 Cranston-Gonzalez National Affordable Hous2 ing Act (42 U.S.C. 12741 et seq.); 

3 (C) the Weatherization Assistance Pro4 gram for low-income persons established under 

5 part A of title IV of the Energy Conservation 

6 and Production Act (42 U.S.C. 6861 et seq.); 

7 and 

8 (D) the Native American Housing Assist9 ance and Self-determination Act of 1996 (25 

10 U.S.C. 4101 et seq.). 

11 (3) PILOT PROGRAM PERIOD REPORTS.—Not 

12 less frequently than twice during the period in which 

13 the pilot program established under this section op14 erates, the Office of the Inspector General of the 

15 Department of Housing and Urban Development 

16 shall complete an assessment of the implementation 

17 of measures to ensure the fair and legitimate use of 

18 the pilot program. 

19 (4) SUMMARY TO CONGRESS.—The Secretary 

20 shall submit to the Committee on Banking, Housing, 

21 and Urban Affairs of the Senate and the Committee 

22 on Financial Services of the House of Representa23 tives an annual report providing a summary of the 

24 data provided under paragraphs (1) and (3) during 


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1 the 1-year period preceding the report and all data 

2 previously provided under those paragraphs. 

3 (k) FUNDING.—The Secretary is authorized to use up 

4 to $25,000,000 of funds made available as provided in ap5 propriations Acts for programs administered by the Office 

6 of Lead Hazard Control and Healthy Housing to carry 

7 out the pilot program under this section. 

8 (l) TERMINATION.—The pilot program established 

9 under this section shall terminate on October 1, 2029. 

Æ 


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