WHAT THE LAW DOINCongress, in plain words

H.R. 5798 · 119th Congress

HOME Reform Act of 2025

IntroducedHousing and Community Development
IntroducedOct 21, 2025
Passed HouseNot yet
Passed SenateNot yet
To PresidentNot yet
Became lawNot yet

How this bill changes the law

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H.R. 5798 would change 10 sections of existing law. Read from the bill text as introduced in the House (Oct 21, 2025).

42 U.S.C. 12704 Definitions

  • (6) The term "community housing development organization" means a nonprofit… changed · Sec. 2(a)
  • (26) new · Sec. 2(a)

42 U.S.C. 12721 Findings

  • The section as a whole changed · Sec. 2(b)
  • (1) the Nation has not made adequate progress toward the goal of national housing… changed · Sec. 2(b)
  • (2) the supply of affordable rental housing is diminishing; changed · Sec. 2(b)
  • (b) changed · Sec. 2(b)
  • 291 new · Sec. 12

42 U.S.C. 12742 Eligible uses of investment

  • (a) Housing uses rewritten · Sec. 3, Sec. 4(a)
  • (e) Cost limits changed · Sec. 4(b)

42 U.S.C. 12745 Qualification as affordable housing

  • (a) Rental housing added to · Sec. 5
  • (b) Homeownership added to · Sec. 6(1), Sec. 6(2)

42 U.S.C. 12748 HOME Investment Trust Funds

  • The section as a whole removed · Sec. 7(1)
  • (h) Administrative provision moved to (g) · Sec. 7(2)

42 U.S.C. 12771 Set-aside for community housing development organizations

  • (b) Recapture and reuse rewritten · Sec. 8

42 U.S.C. 12785 REACH: asset recycling information dissemination

  • (b) Eligible properties changed · Sec. 9

42 U.S.C. 12836 Labor

  • (a) In general changed · Sec. 10

42 U.S.C. 12838 Environmental review

  • (e) new · Sec. 11(a)

42 U.S.C. 12701 National housing goal

  • The section as a whole changed · Sec. 13(1), Sec. 13(2)
Every change, word for word (25)
  1. Sec. 2(a) · 42 U.S.C. 12704 (6)(B) · changedin paragraph (6)(B), by striking "significant"; and
  2. Sec. 2(a) · 42 U.S.C. 12704 · added (26)by adding at end the following new paragraph:
  3. Sec. 2(b) · 42 U.S.C. 12721 · changedin section 214(2), by striking "households that qualify as low-income families" and inserting "families with a household income that does not exceed 100 percent of the median fami…
  4. Sec. 2(b) · 42 U.S.C. 12721 (b)(2) · changedin 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 income…
  5. Sec. 2(b) · 42 U.S.C. 12721 (b)(3)(A)(ii) · changedin subsection (b)(3)(A)(ii), by striking "low-income homebuyers" and inserting "homebuyers with a household income that does not exceed 100 percent of the median family income of…
  6. Sec. 2(b) · 42 U.S.C. 12721 (1)(B) · changedin paragraph (1)(B), by striking "low-income" and inserting "families with a household income that does not exceed 100 percent of the median family income of the area as determine…
  7. Sec. 2(b) · 42 U.S.C. 12721 (2)(A) · changedin paragraph (2)(A), by striking "low-income families" and inserting "families with a household income that does not exceed 100 percent of the median family income of the area as…
  8. Sec. 3 · 42 U.S.C. 12742 (a)(2) · rewrittento read as follows:
  9. Sec. 4(a) · 42 U.S.C. 12742 (a) · added (4)by inserting after paragraph (3) the following new paragraph:
  10. Sec. 4(b) · 42 U.S.C. 12742 (e)(1) · changedby striking the second sentence.
  11. Sec. 5 · 42 U.S.C. 12745 (a) · added (7)by adding at the end the following new paragraph:
  12. Sec. 6(1) · 42 U.S.C. 12745 (b)(1) · changedin paragraph (1), by striking "95 percent" and inserting "110 percent";
  13. Sec. 6(1) · 42 U.S.C. 12745 (b)(3)(A)(ii) · changedin subparagraph (A)(ii), by striking "or" at the end;
  14. Sec. 6(1) · 42 U.S.C. 12745 (b)(3)(B) · changedin subparagraph (B), by striking "and" at the end and inserting "or"; and
  15. Sec. 6(1) · 42 U.S.C. 12745 (b)(3) · added (C)by adding at the end the following new subparagraph:
  16. Sec. 6(2) · 42 U.S.C. 12745 (b) · added (c)by adding at the end the following:
  17. Sec. 7(1) · 42 U.S.C. 12748 · removedby striking subsection (g); and
  18. Sec. 7(2) · 42 U.S.C. 12748 · renumberedby redesignating subsection (h) as subsection (g).
  19. Sec. 8 · 42 U.S.C. 12771 (b) · rewrittento read as follows:
  20. Sec. 9 · 42 U.S.C. 12785 (b)(2) · changedby striking "95 percent" and inserting "110 percent".
  21. Sec. 10 · 42 U.S.C. 12836 (a) · changedby striking "12 or more units" and inserting "24 or more units".
  22. Sec. 11(a) · 42 U.S.C. 12838 · added (e)by adding at the end the following new subsections:
  23. Sec. 12 · 42 U.S.C. 12721 · added 291by adding at the end the following new sections:
  24. Sec. 13(1) · 42 U.S.C. 12701 · changedby striking "Stewart B. McKinney Homeless Assistance Act" each place it appears and inserting "McKinney-Vento Homeless Assistance Act"; and
  25. Sec. 13(2) · 42 U.S.C. 12701 · changedby striking "Committee on Banking, Finance and Urban Affairs" each place it appears and inserting "Committee on Financial Services".

From the bill's official text on GovInfo. Section outlines are from the U.S. Code, 2024 edition, which may not yet show changes made since.

What it does

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Our plain-language breakdown, with what it means for you and the case for and against, is written once a bill starts to move.

What has happened

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  1. 2025-10-21Introduced in HouseLibrary of Congress

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Cosponsors

  • Rep. Emanuel Cleaver D-MO-5