I 
119TH CONGRESS 
1ST SESSION H. R. 5798 
To amend the Cranston-Gonzalez National Affordable Housing Act to encour-
age expansion of the supply of decent, safe, sanitary, and affordable 
housing, with primary attention to rental housing, and for other pur-
poses. 
IN THE HOUSE OF REPRESENTATIVES 
OCTOBER 21, 2025 
Mr. FLOOD (for himself and Mr. CLEAVER) introduced the following bill; 
which was referred to the Committee on Financial Services 
A BILL 
To amend the Cranston-Gonzalez National Affordable Hous-
ing Act to encourage expansion of the supply of decent, 
safe, sanitary, and affordable housing, with primary at-
tention to rental 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 ‘‘HOME Reform Act 
of 2025’’. 
VerDate Sep 11 2014 
20:44 Oct 21, 2025
Jkt 069200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
SEC. 2. DEFINITIONS; ASSISTANCE FOR LOW-INCOME FAMI-
LIES. 
(a) DEFINITIONS.—Section 104 of the Cranston- 
Gonzalez National Affordable Housing Act (42 U.S.C. 
12704) is amended— 
(1) in paragraph (6)(B), by striking ‘‘signifi-
cant’’; and 
(2) by adding at end the following new para-
graph: 
‘‘(26) The term ‘infill housing project’ means a 
residential housing project that— 
‘‘(A) is located within the geographic limits 
of a municipality; 
‘‘(B) is adequately served by existing utili-
ties and public services as required under appli-
cable law; 
‘‘(C) is located on a site of previously dis-
turbed land of not more than 5 acres; and 
‘‘(D) is substantially surrounded by resi-
dential or commercial development, as deter-
mined by the Secretary.’’. 
(b) ASSISTANCE FOR LOW-INCOME FAMILIES.—Title 
II of the Cranston-Gonzalez National Affordable Housing 
Act (42 U.S.C. 12721 et seq.) is amended— 
(1) in section 214(2), by striking ‘‘households 
that qualify as low-income families’’ and inserting 
VerDate Sep 11 2014 
20:44 Oct 21, 2025
Jkt 069200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
‘‘families with a household income that does not ex-
ceed 100 percent of the median family income of the 
area, as determined by the Secretary with adjust-
ments for smaller and larger families’’; 
(2) in section 215— 
(A) in subsection (b)(2), by striking 
‘‘whose family qualifies as a low-income family’’ 
and inserting ‘‘with a family income that does 
not exceed 100 percent of the median family in-
come of the area as determined by the Sec-
retary with adjustments for smaller and larger 
families’’; and 
(B) in subsection (b)(3)(A)(ii), by striking 
‘‘low-income homebuyers’’ and inserting ‘‘home-
buyers with a household income that does not 
exceed 100 percent of the median family income 
of the area, as determined by the Secretary 
with adjustments for smaller and larger fami-
lies’’; and 
(3) in section 271(c)— 
(A) in paragraph (1)(B), by striking ‘‘low- 
income’’ and inserting ‘‘families with a house-
hold income that does not exceed 100 percent 
of the median family income of the area as de-
VerDate Sep 11 2014 
20:44 Oct 21, 2025
Jkt 069200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
termined by the Secretary with adjustments for 
smaller and larger families’’; and 
(B) in paragraph (2)(A), by striking ‘‘low- 
income families’’ and inserting ‘‘families with a 
household income that does not exceed 100 per-
cent of the median family income of the area as 
determined by the Secretary with adjustments 
for smaller and larger families’’. 
SEC. 3. CHOICES MADE BY PARTICIPATING JURISDICTIONS. 
Section 212(a)(2) of the Cranston-Gonzalez National 
Affordable Housing Act (42 U.S.C. 12742) is amended to 
read as follows: 
‘‘(2) LIMITATION ON RESTRICTIONS.—The Sec-
retary shall not restrict a participating jurisdiction’s 
choice of rehabilitation, substantial rehabilitation, 
new construction, reconstruction, acquisition, or 
other eligible housing use unless such restriction is 
explicitly authorized under section 223(2).’’. 
SEC. 4. USE OF AMOUNTS BY CERTAIN JURISDICTIONS FOR 
INFRASTRUCTURE IMPROVEMENTS. 
(a) USE OF INVESTMENTS FOR HOUSING USES.— 
(1) IN GENERAL.—Section 212(a) of the Cran-
ston-Gonzalez National Affordable Housing Act (42 
U.S.C. 12742(a)) is amended by inserting after 
paragraph (3) the following new paragraph: 
VerDate Sep 11 2014 
20:44 Oct 21, 2025
Jkt 069200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
‘‘(4) 
INFRASTRUCTURE
IMPROVEMENTS
IN 
NONENTITLEMENT AREAS.—In accordance with reg-
ulations to be issued by the Secretary, funds pro-
vided under this subtitle may be used for infrastruc-
ture improvements, including the installation or re-
pair of water and sewer lines, sidewalks, roads, and 
utility connections, in any jurisdiction that does not 
receive assistance under title I of the Housing and 
Community Development Act of 1974, if such im-
provements are directly related to, and located with-
in or immediately adjacent to— 
‘‘(A) housing assisted under this subtitle; 
or 
‘‘(B) housing assisted by section 42 of the 
Internal Revenue Code of 1986.’’. 
(2) ISSUANCE
OF
RULES.—Not later than 1 
year after the date of the enactment of this Act, the 
Secretary shall issue such rules as the Secretary de-
termines necessary to carry out the amendment 
made by paragraph (1). 
(3) RULE OF CONSTRUCTION.—Nothing in the 
amendment made by paragraph (1) shall be con-
strued to impose any requirements of the HOME In-
vestment Partnerships program on housing that ben-
efits from the infrastructure improvements described 
VerDate Sep 11 2014 
20:44 Oct 21, 2025
Jkt 069200
PO 00000
Frm 00005
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
in such amendment but otherwise does not receive 
any assistance from such program. 
(b) PER UNIT INVESTMENT LIMITATIONS.—Section 
212(e)(1) of the Cranston-Gonzalez National Affordable 
Housing Act (42 U.S.C. 12742(e)(1)) is amended by strik-
ing the second sentence. 
SEC. 5. AFFORDABLE RENTAL HOUSING QUALIFICATIONS. 
Section 215(a) of the Cranston-Gonzalez National 
Affordable Housing Act (42 U.S.C. 12745(a)) is amended 
by adding at the end the following new paragraph: 
‘‘(7) EXCEPTION FOR HOUSING CHOICE VOUCH-
ERS.—Notwithstanding paragraph (1)(A), a rental 
unit shall be considered to qualify as affordable 
housing under this title if— 
‘‘(A) the unit is occupied by a tenant re-
ceiving tenant-based rental assistance under 
section 8 of the United States Housing Act of 
1937 (42 U.S.C. 1437f); 
‘‘(B) the tenant’s contribution toward rent 
does not exceed the amount permitted under 
such section 8 assistance; and 
‘‘(C) the total rent for the unit does not 
exceed the amount approved by the public hous-
ing agency administering the assistance under 
that program.’’. 
VerDate Sep 11 2014 
20:44 Oct 21, 2025
Jkt 069200
PO 00000
Frm 00006
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
SEC. 6. AFFORDABLE HOMEOWNERSHIP HOUSING QUALI-
FICATIONS. 
Section 215 of the Cranston-Gonzalez National Af-
fordable Housing Act (42 U.S.C. 12745(b)) is amended— 
(1) in subsection (b), 
(A) in paragraph (1), by striking ‘‘95 per-
cent’’ and inserting ‘‘110 percent’’; 
(B) in paragraph (3)— 
(i) in subparagraph (A)(ii), by strik-
ing ‘‘or’’ at the end; 
(ii) in subparagraph (B), by striking 
‘‘and’’ at the end and inserting ‘‘or’’; and 
(iii) by adding at the end the fol-
lowing new subparagraph: 
‘‘(C) 
maintain 
long-term 
affordability 
through a shared equity ownership model, a 
community land trust, a limited equity coopera-
tive, a community development corporation, or 
other mechanism approved by the Secretary, 
that preserves affordability for future eligible 
homebuyers and ensures compliance with the 
purposes of this title, including through the use 
of purchase options, rights of first refusal, or 
other preemptive rights to purchase housing; 
and’’; and 
(2) by adding at the end the following: 
VerDate Sep 11 2014 
20:42 Oct 22, 2025
Jkt 069200
PO 00000
Frm 00007
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
‘‘(c) PERMISSIBLE EXCEPTIONS RELATED TO HOME-
OWNERSHIP QUALIFICATIONS.— 
‘‘(1) MILITARY MEMBERS.—A participating ju-
risdiction, in accordance with terms established by 
the Secretary, may suspend or waive the income 
qualifications described in subsection (b)(2) with re-
spect to housing that otherwise meets the criteria 
under subsection (b) if the owner of the housing— 
‘‘(A) is a member of a regular component 
of the Armed Forces or a member of the Na-
tional Guard on full-time National Guard duty, 
active Guard and Reserve duty, or inactive-duty 
training (as those terms are defined in section 
101(d) of title 10, United States Code); and 
‘‘(B) has received— 
‘‘(i) temporary duty orders to deploy 
with a military unit or military orders to 
deploy as an individual acting in support of 
a military operation, to a location that is 
not within a reasonable distance from the 
housing, as determined by the Secretary, 
for a period of not less than 90 days; or 
‘‘(ii) orders for a permanent change of 
station. 
VerDate Sep 11 2014 
20:42 Oct 22, 2025
Jkt 069200
PO 00000
Frm 00008
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
‘‘(2) SUSPENSION
OR
WAIVER
OF
REQUIRE-
MENTS FOR HEIR OR BENEFICIARY OF DECEASED 
OWNER.—Notwithstanding subsection (b)(3), hous-
ing that meets the criteria under that subsection 
prior to the death of an owner may continue to qual-
ify as affordable housing if— 
‘‘(A) the housing is the principal residence 
of an heir or beneficiary of the deceased owner, 
as defined by the Secretary; and 
‘‘(B) the heir or beneficiary, in accordance 
with terms established by the Secretary, as-
sumes the duties and obligations of the de-
ceased owner with respect to funds provided 
under this title.’’. 
SEC. 7. REMOVAL OF EXPIRATION OF RIGHT TO DRAW 
HOME INVESTMENT TRUST FUNDS. 
Section 218 of the Cranston-Gonzalez National Af-
fordable Housing Act (42 U.S.C. 12748) is amended— 
(1) by striking subsection (g); and 
(2) by redesignating subsection (h) as sub-
section (g). 
VerDate Sep 11 2014 
20:44 Oct 21, 2025
Jkt 069200
PO 00000
Frm 00009
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
SEC. 8. ADJUSTED RECAPTURE AND REUSE OF SET-ASIDE 
FOR COMMUNITY HOUSING DEVELOPMENTAL 
ORGANIZATIONS. 
Section 231(b) of the Cranston-Gonzalez National 
Affordable Housing Act (42 U.S.C. 12771(b)) is amended 
to read as follows: 
‘‘(b) RECAPTURE
AND REUSE.—If any funds re-
served under subsection (a) remain uninvested for a period 
of 24 months, the Secretary shall make such funds avail-
able to the participating jurisdiction for any eligible activi-
ties under this title without regard to whether a commu-
nity housing development organization materially partici-
pates in the use of funds.’’. 
SEC. 9. ASSET RECYCLING INFORMATION DISSEMINATION 
EXPANSION. 
Section 245(b)(2) of the Cranston-Gonzalez National 
Affordable Housing Act (42 U.S.C. 12785(b)(2)) is 
amended by striking ‘‘95 percent’’ and inserting ‘‘110 per-
cent’’. 
SEC. 10. SMALL-PROJECT EXEMPTION TO LABOR REQUIRE-
MENTS EXPANSION. 
Section 286(a) of the Cranston-Gonzalez National 
Affordable Housing Act (42 U.S.C. 12836(a)) is amended 
by striking ‘‘12 or more units’’ and inserting ‘‘24 or more 
units’’. 
VerDate Sep 11 2014 
20:44 Oct 21, 2025
Jkt 069200
PO 00000
Frm 00010
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
SEC. 11. ENVIRONMENTAL REVIEW REQUIREMENTS. 
(a) CATEGORICAL EXEMPTIONS; REMOVING DUPLI-
CATIVE REVIEWS.—Section 288 of the Cranston-Gonzalez 
National Affordable Housing Act (42 U.S.C. 12838) is 
amended by adding at the end the following new sub-
sections: 
‘‘(e) CATEGORICAL
EXEMPTIONS.—The following 
categories of activities carried out under this title shall 
be statutorily exempt from environmental review under the 
National Environmental Policy Act of 1969 (42 U.S.C. 
4321 et seq.), and shall not require further review under 
such Act— 
‘‘(1) new construction infill housing projects; 
‘‘(2) acquisition of real property for affordable 
housing purposes; 
‘‘(3) rehabilitation projects carried out pursuant 
to section 212(a)(1); and 
‘‘(4) new construction projects of 15 units or 
less. 
‘‘(f) REMOVING DUPLICATIVE REVIEWS.— 
‘‘(1) IN GENERAL.—To the extent practicable 
and permitted by law, the Secretary shall ensure 
that a project that has undergone an environmental 
review under this section shall not be subject to a 
duplicative environmental review solely due to the 
addition, substitution, or reallocation of other 
VerDate Sep 11 2014 
20:44 Oct 21, 2025
Jkt 069200
PO 00000
Frm 00011
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
sources of Federal assistance, if the scope, scale, and 
location of the project remain substantially un-
changed. 
‘‘(2) COORDINATION OF ENVIRONMENTAL RE-
VIEW RESPONSIBILITIES.—The Secretary shall, by 
regulation, provide for coordination of environmental 
review responsibilities with other Federal agencies to 
streamline inter-agency compliance and avoid unnec-
essary duplication of effort under the National Envi-
ronmental Policy Act of 1969 (42 U.S.C. 4321 et 
seq.) and other applicable laws. 
‘‘(3) RECOGNITION OF PRIOR REVIEWS BY RE-
SPONSIBLE ENTITIES.—A project may not be subject 
to an environmental review under this section if a 
substantially similar review has already been com-
pleted by an entity designated under section 
104(g)(1) of the Housing and Community Develop-
ment Act of 1974 (42 U.S.C. 5304(g)(1)) or by an-
other entity the Secretary determines to have equiv-
alent authority, if the scope, scale, and location of 
the project remain substantially unchanged.’’. 
(b) ISSUANCE OF RULES.—Not later than 1 year 
after the date of the enactment of this Act, the Secretary 
shall issue such rules as the Secretary determines nec-
VerDate Sep 11 2014 
20:44 Oct 21, 2025
Jkt 069200
PO 00000
Frm 00012
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
essary to carry out the amendment made by this sub-
section. 
SEC. 12. APPLICATION OF OTHER SPECIFIED STATUTORY 
REQUIREMENTS. 
Title II of the Cranston-Gonzalez National Affordable 
Housing Act (42 U.S.C. 12721 et seq.) is amended by 
adding at the end the following new sections: 
‘‘SEC. 291. APPLICATION OF BUILD AMERICA, BUY AMERICA 
REQUIREMENTS. 
‘‘The Build America, Buy America Act (41 U.S.C. 
8301 note; subtitle A of title IX of Public Law 117–58), 
and any implementing regulations or guidance, shall not 
apply to activities assisted under this title. 
‘‘SEC. 292. NONAPPLICABILITY OF CERTAIN REQUIRE-
MENTS FOR SMALL PROJECTS. 
‘‘Notwithstanding any other provision of law, the re-
quirements of section 3 of the Housing and Urban Devel-
opment Act of 1968 (12 U.S.C. 1701u), and any imple-
menting regulations or guidance, shall not apply to any 
activity assisted under title that involves rehabilitation, 
construction, or other development of housing if the total 
number of dwelling units assisted under the activity is 50 
or fewer and if such assistance is provided to— 
‘‘(1) a State recipient pursuant to section 216; 
or 
VerDate Sep 11 2014 
20:44 Oct 21, 2025
Jkt 069200
PO 00000
Frm 00013
Fmt 6652
Sfmt 6201
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS
‘‘(2) a participating jurisdiction that received a 
total allocation of less than $3,000,000 in the most 
recent fiscal year pursuant to section 216.’’. 
SEC. 13. TECHNICAL AMENDMENTS. 
The Cranston-Gonzalez National Affordable Housing 
Act (42 U.S.C. 12701 et seq.) is amended— 
(1) by striking ‘‘Stewart B. McKinney Home-
less Assistance Act’’ each place it appears and in-
serting ‘‘McKinney-Vento Homeless Assistance Act’’; 
and 
(2) by striking ‘‘Committee on Banking, Fi-
nance and Urban Affairs’’ each place it appears and 
inserting ‘‘Committee on Financial Services’’. 
Æ 
VerDate Sep 11 2014 
20:44 Oct 21, 2025
Jkt 069200
PO 00000
Frm 00014
Fmt 6652
Sfmt 6301
E:\BILLS\H5798.IH
H5798
ssavage on LAPJG3WLY3PROD with BILLS