Bills · HR 4479
IN COMMITTEE· 119TH CONGRESS
House BillHR 4479Housing and Community Development
To amend the National Housing Act to direct the Secretary of Housing and Urban Development to establish a program to insure certain second liens secured against property for the purpose of financing the construction of an accessory dwelling unit, and for other purposes.
INTRO JUL 17· LAST ACTION JUL 17
READING
4MIN
COSPONSORS
16
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it addresses a growing need for more housing options and flexible living arrangements in communities across the country. By making it easier for homeowners to build accessory dwelling units, it could contribute to increasing the overall housing supply without requiring large-scale development, potentially helping to alleviate housing shortages and high costs in some areas.
If this bill becomes law, more homeowners might be able to afford to build an ADU, whether for rental income, for multi-generational living, or to provide additional space for their families. If it doesn't pass, financing for ADUs would likely remain more challenging and less standardized, potentially limiting their creation and missing an opportunity to add housing stock and offer income potential for homeowners.
KEY PROVISIONS
5AI-extractedPROVISION 01
Directs the Department of Housing and Urban Development (HUD) to establish a program to insure 'second liens' (like a home equity loan or second mortgage) used to finance the construction of Accessory Dwelling Units (ADUs).
This provision makes it less risky for lenders to offer loans for ADU construction, potentially increasing the availability of such financing for homeowners.
PROVISION 02
Sets limits on the maximum amount for these insured loans, allowing the Secretary to consider up to 50% of the projected annual rental income from the ADU when determining the loan amount.
This ensures responsible lending practices while also making the program more practical for homeowners who plan to rent out their ADU.
PROVISION 03
Requires government-backed mortgage entities like Fannie Mae and Freddie Mac to purchase and 'securitize' these insured ADU loans, unless market risks are too high.
This creates a robust secondary market for these loans, which further encourages lenders to offer them to homeowners.
PROVISION 04
Requires annual reports from HUD and the Federal Housing Finance Agency (FHFA) on the activities and performance of the ADU construction insurance program.
This ensures transparency and provides ongoing oversight of the program's effectiveness and impact.
PROVISION 05
Defines an 'accessory dwelling unit' as a modular, manufactured, or converted structure with kitchen, sleeping, and bathroom facilities, added to or detached from a single-family home.
This provides clear criteria for what types of units qualify for the new federal insurance program.
SPONSORSHIP
1 + 16
D· California
YRS IN OFFICE
1
BILLS LED
17
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 16 REP 0 IND 0
ACTION TIMELINE
3 EVENTSJUL 17
Sponsor introductory remarks on measure. (CR H3469)
JUL 17
Introduced in House
JUL 17
Referred to the House Committee on Financial Services.
BILL INFO
TypeHouse Bill
NumberHR 4479
Congress119th
StatusIn Committee
IntroducedJul 17, 2025
Last actionJul 17, 2025
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IN COMMITTEE· 119TH CONGRESS · FINANCIAL SERVICES COMMITTEE · INTRODUCED JUL 17, 2025
House BillHR 4479Housing and Community Development
To amend the National Housing Act to direct the Secretary of Housing and Urban Development to establish a program to insure certain second liens secured against property for the purpose of financing the construction of an accessory dwelling unit, and for other purposes.
INTRODUCED JUL 17, 2025· LAST ACTION JUL 17, 2025
PASSAGE CHANCES
—%
READING
4 min
COSPONSORS
16
COMPLEXITY
Moderate
