The Whole-Home Repairs Act of 2025 establishes a federal pilot program that provides grants through the Department of Housing and Urban Development to states, local governments, and nonprofits to repair homes for low-income homeowners and small landlords. Eligible homeowners must earn no more than 80% of their area's median income and live in the home as their primary residence, while eligible landlords can own fewer than 10 rental properties with mostly affordable units and must maintain affordable rents and tenant protections for at least three years after repairs are completed. The program funds comprehensive repairs addressing accessibility for disabled individuals, health and safety hazards, and energy and water efficiency improvements, with organizations permitted to use up to 5% of funds for workforce training and 10% for administrative costs. Between 2-10 implementing organizations per year across diverse geographic areas will receive grants under the pilot, which is funded with up to $30 million from existing HUD accounts and runs through October 1, 2031, with participating organizations required to submit annual reports and undergo Inspector General oversight to ensure accountability and prevent fraud.
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