This bill amends federal housing law to allow home accessibility improvements to be included in the Rehabilitation Mortgage Insurance Program, which helps homeowners finance home repairs and improvements through federally insured mortgages. The bill specifically adds eligible improvements such as zero-step entrances, wider doorways and hallways, accessible bathrooms, grab bar reinforcements, and other features meeting recognized accessibility standards. The bill affects homeowners seeking to modify their homes for accessibility needs, particularly older Americans and people with disabilities. The Department of Housing and Urban Development must update program guidance, create training for appraisers and consultants to properly value these improvements, and report to Congress within one year on how the program is being used for accessibility modifications.