H.R. 5990 — Whole-Home Repairs Act of 2025

This section establishes a Whole-Home Repairs pilot program and defines key terms, including (1) affordable unit (monthly rent not more than 30% of gross income for households at or below 80% of area median income); (2) eligible homeowner (household income not more than 80% of area median income or eligible for specified programs such as Medicaid, CHIP, or SSI benefits, and an owner-occupant of a principal residence); (3) eligible landlord (owns fewer than 10 eligible rental properties with a majority affordable units and not more than 50 total units operated as primary residences); (4) eligible rental property (leased or offered exclusively for lease as a primary residence and includes affordable units); (5) forgivable loan (to eligible landlords, secured by lien, and forgiven after 3 years if compliant); and (6) implementing organization (unit of general local government, state, or partners such as qualified nonprofits administering the program). As background, the program supports repairs and rehabilitation for low-income homeowners and small-scale landlords through local entities, building on HUD's existing authorities for affordable housing and home rehabilitation initiatives such as CDBG and HOME.