# Whole-Home Repairs Act of 2025 - Plain Language Summary

## What This Bill Does

The Whole-Home Repairs Act of 2025 creates a federal program to help fix up homes for low-income homeowners and small landlords. The bill establishes a "whole-home repairs program" that would provide funding to local governments, states, and nonprofit organizations to conduct repair and rehabilitation work on residential properties. This is a bipartisan effort introduced by senators from both parties, suggesting broad support for addressing housing maintenance issues.

## Who Benefits

**Eligible homeowners** can receive repairs if they:
- Have a household income at or below 80% of their area's median income (or meet other low-income thresholds)
- Own and live in their home as their primary residence (including manufactured homes and inherited properties)

**Eligible landlords** can also participate if they:
- Own fewer than 10 rental properties with a majority being affordable units
- Agree to keep rents affordable for tenants earning up to 80% of area median income
- Receive "forgivable loans" that can be erased after 3 years if they maintain compliance

## Key Provisions

The bill defines which organizations can administer the program (local governments, states, nonprofits with prior housing program experience) and establishes that repairs must result in "affordable units" for tenants. Landlords who participate receive loans that may be forgiven if they maintain their agreements to keep rents affordable. The program appears designed to improve housing quality while keeping housing costs manageable for low-income residents.