21st Century ROAD to Housing Act (H.R. 6644)

Summary

Housing for the 21st Century Act This bill revises federal housing programs, including by expanding available financing for affordable housing and providing grants for planning and community development activities. For example, the bill increases the statutory maximum loan limits for mortgage insurance programs administered by the Federal Housing Administration for multifamily homes and requires the use of a more specific inflation index for such loans. The bill also increases the maximum eligible income for the Department of Housing and Urban Development's (HUD's) HOME Investment Partnerships Program (grants to states and localities to support housing for low-income households) and establishes a grant program to assist regional, state, and local entities with strategies to support affordable housing. In addition, the bill exempts certain housing-related activities from the environmental review process, including certain construction, improvement, or rehabilitation of residential buildings; excludes veterans' disability benefits from being considered as income for purposes of determining eligibility for the Veterans Affairs Supportive Housing (VASH) program; establishes a pilot program to provide grants to public housing agencies (PHAs) and other owners of federally assisted housing to test the efficacy of temperature sensors to support compliance with temperature requirements; eliminates the requirement that manufactured homes must be constructed with a permanent chassis; and authorizes HUD to conduct performance reviews of organizations that provide housing counseling services. The bill also expands oversight of HUD and PHAs, such as by requiring PHAs to post information about contracts on their websites. For more information about this bill, see CRS Report R48849 .

Congress.gov bill summary · 07 · updated Feb 9, 2026

CBO estimates

• Estimated Budgetary Effects of H.R. 6644, the 21st Century ROAD to Housing Act

  As enacted on July 11, 2026

  Jul 14, 2026

• SAMDT 5839
• SAMDT 5838
• SAMDT 5831
• SAMDT 5830
• SAMDT 5827

  To improve the bill.

  Jun 18, 2026 · SA 5827 fell when SA 5826 fell.

• SAMDT 5826

  To improve the bill.

  Jun 18, 2026 · SA 5826 fell when SA 5825 (the instructions of the motion to refer) fell.

• SAMDT 5825

  To improve the bill.

  Jun 18, 2026 · SA 5825 fell when cloture invoked on the motion to concur in the House amendment to the Senate amendment to H.R. 6644.

• SAMDT 5824

  To improve the bill.

  Jun 22, 2026 · Proposed amendment SA 5824 withdrawn in Senate.

• SAMDT 5823

  In the nature of a substitute.

  Jun 22, 2026 · Amendment SA 5823 agreed to in Senate by Yea-Nay Vote. 85 - 5. Record Vote Number: 182.

• SAMDT 4398
• SAMDT 4397
• SAMDT 4396
• SAMDT 4395
• SAMDT 4394
• SAMDT 4393
• SAMDT 4392
• SAMDT 4391
• SAMDT 4390
• SAMDT 4389
• SAMDT 4388
• SAMDT 4387
• SAMDT 4386
• SAMDT 4385
• SAMDT 4384
• SAMDT 4383
• SAMDT 4382
• SAMDT 4381
• SAMDT 4380
• SAMDT 4379
• SAMDT 4378
• SAMDT 4377
• SAMDT 4376
• SAMDT 4375
• SAMDT 4374
• SAMDT 4373
• SAMDT 4372
• SAMDT 4371
• SAMDT 4370
• SAMDT 4369
• SAMDT 4368

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