The Rural Housing Service Reform Act of 2025 modernizes federal support for rural housing through technology upgrades, expanded rental assistance flexibility, and new funding streams targeted at underserved communities. The bill authorizes unspecified funding for fiscal year 2026 to improve the Rural Housing Service's loan processing technology over a five-year period, while expanding rental assistance contract renewals for rural multifamily housing projects and allowing owners more flexibility in reassigning assistance funds. Three new initiatives provide targeted support: a $50 million annual set-aside for Native Community Development Financial Institutions serving Indigenous communities, increased loan amounts for minor farm housing repairs (from $7,500 to $15,000 with 60% reserved for very low-income borrowers), and grants up to $250,000 to intermediary organizations building capacity in rural nonprofits and tribal entities. The bill also requires the Department of Agriculture to establish a 90-day target for reviewing rural housing loan and grant applications, with annual congressional reporting on progress toward meeting this deadline.
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