HOME Act of 2025
Summary
What This Bill Does
The HOME Act amends VA housing statutes. For VA-guaranteed home purchase loans, VA guidance on veterans' residual income must include nonprofit financial service organizations, and the VA Secretary must coordinate with nonprofits that advocate for veterans to offer voluntary financial counseling to veterans purchasing homes with VA-guaranteed loans. The bill also requires VA to create a database listing residences that are for sale, have been adapted for a disabled veteran under the Specially Adapted Housing program, and whose seller elects to be included. VA must make the database available to disabled veterans interested in purchasing adapted residences. Finally, VA must conduct outreach to veterans living in U.S. territories about eligibility for Specially Adapted Housing benefits.
Who Benefits and How
Veterans using VA home loans benefit from voluntary financial counseling through veterans advocacy nonprofits. Disabled veterans seeking adapted housing benefit from a database of adapted homes for sale. Veterans in U.S. territories benefit from VA outreach on adapted housing eligibility. Nonprofit financial service organizations benefit from inclusion in VA residual-income guidance and counseling coordination.
Who Bears the Burden and How
VA home loan staff must coordinate counseling, update lender guidance, and support nonprofit partnerships. VA adapted housing staff must build and maintain the opt-in adapted-home database. Sellers of adapted homes must elect to list properties and provide information if they want database exposure. Federal taxpayers bear implementation and outreach costs.
Key Provisions
- Requires VA to coordinate voluntary financial counseling for veterans using VA-guaranteed home purchase loans.
- Adds nonprofit financial service organizations to VA residual-income guidance.
- Creates an opt-in database of adapted homes for sale.
- Requires VA to make the adapted-home database available to interested disabled veterans.
- Requires outreach to U.S. territory veterans about adapted housing benefit eligibility.
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.
At a Glance
What This Bill Does
Requires VA to coordinate with veterans advocacy nonprofits to offer voluntary financial counseling to veterans using VA-guaranteed home purchase loans, create an opt-in database of adapted homes for sale that were previously adapted for disabled veterans, and conduct outreach to U.S. territory veterans about adapted housing benefit eligibility.
Key Policy Areas
Veterans, Housing, Mortgage Finance
Primary Purpose
Requires VA to coordinate with veterans advocacy nonprofits to offer voluntary financial counseling to veterans using VA-guaranteed home purchase loans, create an opt-in database of adapted homes for sale that were previously adapted for disabled veterans, and conduct outreach to U.S. territory veterans about adapted housing benefit eligibility.
Policy Domains
Resolution provisions
Identified Gains
- Veterans using VA home loans
- Disabled veterans seeking adapted housing
- Territory veterans
- Nonprofit financial service organizations
Identified Costs
- VA home loan staff
- VA adapted housing staff
- Sellers of adapted homes
- Federal taxpayers
Sponsors
Legislative Progress
In CommitteeReferred to the Subcommittee on Economic Opportunity.
Ms. King-Hinds (for herself and Mr. Van Orden) introduced the …
Referred to the House Committee on Veterans' Affairs.
Introduced in House
Stakeholder Effects
cui bono?How this legislation distributes effects. Mention counts reflect frequency, not effect magnitude.
Disabled veterans seeking adapted housing, Territory veterans, Veterans using VA home loans
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology