The HOME Act of 2025 makes three key improvements to veterans' housing benefits administered by the Department of Veterans Affairs. First, it requires the VA to improve guidance provided to lenders about whether veterans have sufficient income to repay home loans, and directs the VA to partner with nonprofit financial organizations to offer voluntary financial counseling to veterans seeking to buy homes using VA-guaranteed loans. Second, the bill requires the VA to create a searchable database of adapted homes currently for sale that have been modified for disabled veterans, allowing eligible veterans to more easily find properties that meet their accessibility needs. Third, the bill mandates that the VA conduct targeted outreach to veterans living in U.S. territories—such as Puerto Rico, Guam, and the U.S. Virgin Islands—to inform them about their eligibility for housing benefits. The legislation does not specify funding amounts or implementation timelines but amends existing VA law to expand and clarify these housing support programs.
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