Whole-Home Repairs Act of 2025

The Whole-Home Repairs Act of 2025 would establish a five-year pilot program within the Department of Housing and Urban Development (HUD) to provide financial assistance for home repairs. If enacted, the bill would create grants and loans for eligible homeowners and small landlords to address critical housing issues.

The program would target low- and moderate-income households, typically those earning at or below 80 percent of their area's median income. Eligible repairs would include accessibility modifications for seniors and people with disabilities, safety and habitability improvements such as fixing roofs and addressing mold or lead paint, and energy and water efficiency upgrades. The bill would work through local implementing organizations—including state and local governments, nonprofits, and tribal entities—to administer the program in their communities.

The legislation is bipartisan, sponsored in the House by Representatives Nikema Williams (D-GA) and Troy Downing (R-MT), with Senate companions led by Senators John Fetterman (D-PA) and Cynthia Lummis (R-WY). The bill is currently under consideration in the House Committee on Financial Services and has not yet been voted on by the full chamber.