# Plain Language Summary: HOME Act of 2025

This bill makes several changes to help veterans buy homes more easily and find housing that fits their needs. The main focus is on improving the support system around veteran home purchases and making sure veterans in all parts of the country know what benefits are available to them.

The bill starts by improving how the Department of Veterans Affairs guides lenders when they're deciding whether a veteran has enough leftover money each month to afford a mortgage. It adds nonprofit financial service organizations to the list of groups that can help with this process, and it requires the VA to work with nonprofit veterans advocacy groups to offer free financial counseling to veterans who are buying homes using VA-backed loans. This means veterans can get expert advice to help them make smart decisions about home purchases without paying for it themselves.

The bill also creates a searchable database of homes that have been specially adapted for disabled veterans and are currently for sale. Sellers can voluntarily list their adapted homes in this database, making it easier for disabled veterans to find properties that already have the modifications they need—like wheelchair ramps, accessible bathrooms, or other disability accommodations—rather than having to make expensive changes themselves.

Finally, the bill requires the VA to do better outreach to veterans living in U.S. territories like Puerto Rico, the U.S. Virgin Islands, and Guam to make sure they know about housing benefits available to them. This addresses a gap where veterans in these areas may not have been getting the same information as veterans in the mainland states.