I 
119TH CONGRESS 
1ST SESSION 
H. R. 891 
To direct the Secretary of Housing and Urban Development and the Adminis-
trator of the General Services Administration to establish programs for 
the development of affordable housing, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JANUARY 31, 2025 
Mr. RYAN introduced the following bill; which was referred to the Committee 
on Financial Services, and in addition to the Committee on Transpor-
tation and Infrastructure, for a period to be subsequently determined by 
the Speaker, in each case for consideration of such provisions as fall with-
in the jurisdiction of the committee concerned 
A BILL 
To direct the Secretary of Housing and Urban Development 
and the Administrator of the General Services Adminis-
tration to establish programs for the development of 
affordable housing, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Pro-Housing Act of 
2025’’. 
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SEC. 2. LOCAL HOUSING POLICY GRANT AND LOAN PILOT 
PROGRAM. 
(a) PLANNING GRANTS.—Beginning not later than 
120 days after the date of the enactment of this section, 
the Secretary shall award grants on a competitive basis 
to eligible entities for the purpose of developing and evalu-
ating housing policy plans. 
(b) IMPLEMENTATION GRANTS.—Beginning not later 
than 120 days after the date of the enactment of this sec-
tion, the Secretary shall award grants on a competitive 
basis to eligible entities for the purpose of implementing 
housing policy plans. 
(c) DIRECT LOANS.— 
(1) IN
GENERAL.—Beginning not later than 
120 days after the date of the enactment of this sec-
tion, the Secretary shall provide direct loans to eligi-
ble entities for the purpose of implementing housing 
policy plans. 
(2) TERMS AND LIMITATIONS.— 
(A) IN GENERAL.—A direct loan provided 
under this section shall be subject to such 
terms and conditions as the Secretary deter-
mines appropriate. 
(B) INTEREST RATE.—The interest rate on 
a direct loan provided under this section shall 
be less than the yield on United States Treas-
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ury obligations of a similar maturity to the ma-
turity of the direct loan on the date of execu-
tion of the loan agreement, at a rate deter-
mined by the Secretary, for the purpose of pro-
viding low-cost credit to eligible entities. 
(d) RURAL AND EXURBAN AREA MINIMUM.—The 
Secretary shall provide not less than 20 percent of the 
amounts awarded or loaned under this section to eligible 
entities that plan to use them to assist an area that is 
rural or exurban, as determined by the Secretary in con-
sultation the Director of the United States Census Bu-
reau. 
(e) APPLICATIONS.— 
(1) IN GENERAL.—An eligible entity seeking a 
planning grant, implementation grant, or direct loan 
provided under this section shall submit to the Sec-
retary an application at such time, in such manner, 
and containing such information as the Secretary 
may require. 
(2) PRIORITY.—In awarding a planning grant, 
implementation grant, or direct loan provided under 
this section, the Secretary shall give priority to eligi-
ble entities that— 
(A) have developed or are likely to develop 
a housing policy plan that will— 
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(i) improve housing supply, afford-
ability, and accessibility for all individuals 
of every race and income level; 
(ii) reduce barriers to affordable hous-
ing development; and 
(iii) avoid the displacement of resi-
dents by new housing developments in the 
area under the jurisdiction of the eligible 
entity; 
(B) in developing or implementing a hous-
ing policy plan, intend to leverage and effi-
ciently use amounts from— 
(i) another Federal, State, or local as-
sistance program relating to housing; or 
(ii) a private funding source; 
(C) intend to— 
(i) increase the supply and afford-
ability of housing that is located— 
(I) near local transit options; and 
(II) in areas in which a signifi-
cant or expanding supply of jobs or 
demand 
for 
employment 
is 
con-
centrated; 
(ii) coordinate with local transpor-
tation and workforce agencies in accom-
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plishing the increase described in clause 
(i); 
(iii) leverage existing infrastructure by 
rehabilitating or converting existing prop-
erties when developing or implementing a 
housing policy plan; and 
(iv) where appropriate, coordinate pol-
icy development for, and analysis and im-
plementation of, the housing policy plan of 
the eligible entity at a regional scale to 
achieve a more equitable distribution of af-
fordable 
housing 
across 
jurisdictional 
boundaries; or 
(D) are a coalition of States or political 
subdivisions of States. 
(3) SCORING.—The Secretary shall base the de-
gree of priority given to an eligible entity that satis-
fies 1 or more subparagraphs under paragraph (2) 
on a scoring system established by the Secretary. 
(f) MATCHING REQUIREMENT FOR GRANTS.— 
(1) IN GENERAL.—An eligible entity that re-
ceives a planning grant or implementation grant 
shall contribute non-Federal amounts for developing 
or implementing a housing policy plan financed 
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using amounts provided in such grant in the fol-
lowing amounts: 
(A) If the area under the jurisdiction of an 
eligible entity has a population of 15,000 or 
fewer, the eligible entity shall provide non-Fed-
eral contributions in an amount equal to 15 
percent of the amount of the grant. 
(B) If the area under the jurisdiction of an 
eligible entity has a population between 15,001 
and 30,000, the eligible entity shall provide 
non-Federal contributions in an amount equal 
to 25 percent of the amount of the grant. 
(C) If the area under the jurisdiction of an 
eligible entity has a population between 30,001 
and 40,000, the eligible entity shall provide 
non-Federal contributions in an amount equal 
to 35 percent of the amount of the grant. 
(D) If the area under the jurisdiction of an 
eligible entity has a population between 40,001 
and 70,000, the eligible entity shall provide 
non-Federal contributions in an amount equal 
to 45 percent of the amount of the grant. 
(E) If the area under the jurisdiction of an 
eligible entity has a population of 70,001 or 
more, the eligible entity shall provide non-Fed-
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eral contributions in an amount equal to 45 
percent of the amount of the grant. 
(2) ELIGIBLE MATCHING AMOUNTS.—If an eli-
gible entity uses amounts provided by the Federal 
Government not under this section to develop or im-
plement a housing policy plan for which the eligible 
entity also receives a grant under this section, any 
non-Federal contribution made by the eligible entity 
as part of that Federal assistance program shall be 
counted towards the requirements under paragraph 
(1). 
(3) REDUCED
MATCHING
REQUIREMENT.— 
Based on the available resources of an eligible enti-
ty, the Secretary may, at the discretion of the Sec-
retary, reduce the amount of non-Federal contribu-
tions required to be provided by the eligible entity 
under paragraphs (1) and (2). 
(g) USE OF FUNDS.— 
(1) IN GENERAL.—An eligible entity that re-
ceives a planning grant, implementation grant, or di-
rect loan provided under this section shall use a por-
tion of the amounts from such grant or loan to sub-
mit the report required under subsection (j)(1). 
(2) PLANNING GRANTS.—An eligible entity that 
receives a planning grant shall use amounts from 
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such grant to finance activities to develop and evalu-
ate a housing policy plan for the area under the ju-
risdiction of the eligible entity, including— 
(A) quantifying existing and projected 
housing needs for households of every income 
level, including extremely low-income families, 
as defined in section 3(b) of the United States 
Housing Act of 1937 (42 U.S.C. 1437a(b)); 
(B) documenting the characteristics of— 
(i) the housing in the area; 
(ii) the households of the area, includ-
ing cost-burdened households; and 
(iii) housing underproduction in the 
area; 
(C) developing strategies to increase the 
housing supply and the variety of housing types 
in the area to satisfy the housing needs of the 
population of the area; 
(D) analyzing population and employment 
trends in the area and documenting projections 
of those trends; 
(E) considering strategies to minimize dis-
placement of low-income families, as defined in 
section 3(b) of the United States Housing Act 
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of 1937 (42 U.S.C. 1437a(b)), as a result of re-
development in the area; 
(F) providing for participation and input 
from community members, community groups, 
local builders, local realtors, nonprofit housing 
advocates, and local religious groups; and 
(G) creating a schedule of programs and 
actions to implement the recommendations of 
the housing policy plan, including a plan for 
adopting actions through a local implementing 
ordinance or another regulatory process, such 
as a land use plan or a comprehensive plan. 
(h) HOUSING POLICY PLAN GUIDANCE.— 
(1) IN GENERAL.—Not later than 90 days after 
the date of the enactment of this section, the Sec-
retary shall issue guidance that includes rec-
ommended policies, strategies, and reforms for eligi-
ble entities to adopt in housing policy plans to— 
(A) improve the elasticity of housing sup-
ply; 
(B) expand the supply and affordability of 
housing; 
(C) reduce barriers to housing develop-
ment; and 
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(D) meaningfully reduce housing segrega-
tion by income and race. 
(2) POLICIES.—The guidance issued under 
paragraph (1) shall include recommendations for 
policies, strategies, and reforms to— 
(A) encourage and support the repurposing 
of land or structures for housing development; 
(B) allow for a greater variety of housing 
types; 
(C) revise land use policies to allow for the 
development of more housing; 
(D) streamline approval processes for 
housing development; 
(E) provide financial incentives to support 
affordable housing development; and 
(F) support inclusive engagement with 
community members relating to reforms to ex-
pand housing supply. 
(3) AREAS.—The guidance issued under para-
graph (1) shall include recommendations for policies, 
strategies, and reforms for urban, suburban, 
exurban, and rural areas. 
(i) LEARNING NETWORK.— 
(1) IN GENERAL.—Not later than 1 year after 
the date on which the Secretary awards the first 
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planning grant, implementation grant, or direct loan 
provided under this section, the Secretary shall es-
tablish a learning network to— 
(A) facilitate problem solving relating to 
the development and implementation of housing 
policy plans; and 
(B) disseminate best practices and effec-
tive strategies and policies to improve local 
housing supply and affordability. 
(2) ACCESSIBILITY.—The learning network es-
tablished under paragraph (1) shall be accessible 
to— 
(A) eligible entities that receive a grant or 
loan under this section; and 
(B) eligible entities that submit an applica-
tion under subsection (e). 
(j) REPORTS AND STUDY.— 
(1) GRANT AND LOAN RECIPIENT REPORTS.— 
Not later than 180 days after the date on which an 
eligible entity receives a planning grant, implementa-
tion grant, or direct loan provided under this sec-
tion, and not less frequently than quarterly there-
after for a 3-year period, the eligible entity shall 
submit to the Secretary a report that includes— 
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(A) a description of the expenditures the 
eligible entity has made with amounts from 
such grant or loan; 
(B) for an eligible entity receiving a plan-
ning grant, a summary of the progress of the 
eligibility entity towards finalizing a housing 
policy plan; and 
(C) for an eligible entity receiving an im-
plementation grant, data relating to the success 
of the implementation of the housing policy 
plan of the eligible entity. 
(2) SECRETARY STUDY AND REPORT.— 
(A) IN GENERAL.—Not later than 5 years 
after the date of the enactment of this section, 
the Secretary shall conduct a study with respect 
to— 
(i) the impact of implementation 
grants, planning grants, and direct loans 
provided under this section on the areas 
under the jurisdiction of eligible entities re-
ceiving those grants or loans; and 
(ii) successful strategies from housing 
policy plans that were impactful in— 
(I) expanding the housing supply; 
and 
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(II) increasing the quantity of 
quality and affordable housing while 
avoiding the displacement of the resi-
dents of an area. 
(B) REPORT.—Not later than 1 year after 
the date on which the Secretary completes the 
study required under subparagraph (A), the 
Secretary shall submit to the appropriate com-
mittees of the Congress a report on the study. 
(k) APPROPRIATIONS.— 
(1) IN GENERAL.—There are authorized to be 
appropriated to the Secretary $200,000,000 for each 
of fiscal years 2026 through 2031 to carry out this 
section. 
(2) COSTS OF DIRECT LOANS.—The Secretary 
may use any amounts made available under para-
graph (1) to pay the costs of providing direct loans 
under this section. 
(l) DEFINITIONS.—In this section: 
(1) COST-BURDENED HOUSEHOLD.—The term 
‘‘cost-burdened household’’ means a household that 
spends not less than 30 percent of the income of the 
household on housing. 
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(2) DEPARTMENT.—The term ‘‘Department’’ 
means the Department of Housing and Urban De-
velopment. 
(3) DIRECT LOAN.—The term ‘‘direct loan’’ has 
the meaning given the term in section 502 of the 
Federal Credit Reform Act (2 U.S.C. 661a). 
(4) ELIGIBLE ENTITY.—The term ‘‘eligible enti-
ty’’ means a State, a political subdivision of a State, 
a coalition of States or political subdivisions of 
States, an Indian Tribe, or a Native Hawaiian orga-
nization that— 
(A) demonstrates, with respect to the area 
under the jurisdiction of the State, political 
subdivision, coalition, Indian Tribe, or organiza-
tion— 
(i) rising housing costs or a reason-
able expectation that housing costs will rise 
in the area; and 
(ii) a housing supply shortage; 
(B) if applying for a planning grant— 
(i) intends to develop, or is in the 
process of developing, a housing policy 
plan; and 
(ii) demonstrates an intent to use a 
portion of the planning grant to engage 
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with community stakeholders and housing 
practitioners in developing a housing policy 
plan; and 
(C) if applying for an implementation 
grant or direct loan under this section— 
(i) has adopted and plans to imple-
ment, or is in the process of implementing, 
a housing policy plan; and 
(ii) demonstrates the engagement of 
community stakeholders and housing prac-
titioners in developing the housing policy 
plan. 
(5) HOUSING POLICY PLAN.—The term ‘‘hous-
ing policy plan’’ means a comprehensive plan of an 
eligible entity to, with respect to the area under the 
jurisdiction of the eligible entity— 
(A) increase the housing supply in the 
area, while avoiding the displacement of the 
residents of the area; 
(B) increase the affordability of housing in 
the area; and 
(C) reduce barriers to housing development 
in the area. 
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(6) IMPLEMENTATION GRANT.—The term ‘‘im-
plementation grant’’ means a grant awarded under 
subsection (b). 
(7) INDIAN TRIBE.—The term ‘‘Indian Tribe’’ 
has the meaning given the term in section 4 of the 
Indian Self-Determination and Education Assistance 
Act (25 U.S.C. 5304). 
(8) NATIVE
HAWAIIAN
ORGANIZATION.—The 
term ‘‘Native Hawaiian organization’’ has the mean-
ing given the term in section 2 of the Native Amer-
ican Graves Protection and Repatriation Act (25 
U.S.C. 3001). 
(9) PLANNING
GRANT.—The term ‘‘planning 
grant’’ means a grant awarded under subsection (a). 
(10) 
SECRETARY.—The 
term 
‘‘Secretary’’ 
means the Secretary of Housing and Urban Develop-
ment, acting through the Assistant Secretary for 
Community Planning and Development, in coordina-
tion with— 
(A) the Office of Economic Resilience of 
the Office of Community Planning and Develop-
ment of the Department; 
(B) the Office of Policy Development and 
Research of the Department; 
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(C) the Office of Fair Housing and Equal 
Opportunity of the Department; 
(D) the Office of Housing of the Depart-
ment; and 
(E) the Office of Public and Indian Hous-
ing of the Department. 
(11) STATE.—The term ‘‘State’’ means any 
State of the United States, the District of Columbia, 
the Commonwealth of Puerto Rico, the Virgin Is-
lands, Guam, American Samoa, the Commonwealth 
of the Northern Mariana Islands, and any possession 
of the United States. 
SEC. 3. TRANSFER OF UNUSED FEDERAL REAL PROPERTY 
TO STATE AND LOCAL AUTHORITIES FOR DE-
VELOPMENT. 
(a) IN GENERAL.—Not later than 120 days after the 
date of the enactment of this section, the Administrator 
of General Services shall establish a pilot program under 
which unused Federal real property is transferred in ac-
cordance with subsection (b)(2) to eligible entities for the 
development of mixed-use neighborhoods or affordable 
housing. 
(b) TRANSFER OF PROPERTY.— 
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(1) IN
GENERAL.—Any unused Federal real 
property shall be transferred by the head of the 
agency concerned to the Administrator. 
(2) TRANSFER TO ELIGIBLE ENTITY.—The Ad-
ministrator shall transfer to eligible entities any un-
used Federal real property transferred to the Ad-
ministrator under paragraph (1). 
(c) SUNSET.—Any transfers of property described in 
subsection (b) shall terminate on the date that is 5 years 
after the date of the enactment of this section. 
(d) DEFINITIONS.—In this section: 
(1) ADMINISTRATOR.—The term ‘‘Adminis-
trator’’ means the Administrator of the General 
Services. 
(2) AFFORDABLE HOUSING.—The term ‘‘afford-
able housing’’ means housing that qualifies as af-
fordable housing under section 215 of the Cranston- 
Gonzalez National Affordable Housing Act (42 
U.S.C. 12745). 
(3) AGENCY.—The term ‘‘agency’’ has the 
meaning given the term ‘‘Executive agency’’ in sec-
tion 105 of title 5, United States Code. 
(4) ELIGIBLE ENTITY.—The term ‘‘eligible enti-
ty’’ means an entity established under State or local 
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law as responsible for housing and urban develop-
ment planning. 
(5) UNUSED FEDERAL REAL PROPERTY.—The 
term ‘‘unused Federal real property’’ means land or 
a building— 
(A) owned by the Federal Government; 
and 
(B) declared unused by the head of an 
agency. 
Æ 
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