The Whole-Home Repairs Act of 2025 establishes a pilot program, to be administered by the Secretary of Housing and Urban Development, aimed at improving housing conditions for eligible homeowners and landlords. This program provides grants to designated implementing organizations, which include units of local government, states, and qualified nonprofits. These organizations then administer whole-home repair programs within their jurisdictions, addressing a range of critical housing needs.

The program targets eligible homeowners with household incomes at or below 80 percent of the area median income or 200 percent of federal poverty guidelines, who occupy their principal residence. Eligible landlords are individuals owning fewer than 10 residential rental properties, with a majority of affordable units, and who agree to specific loan terms. The scope of whole-home repairs encompasses physical and sensory accessibility modifications, habitability and safety concerns, and energy and water efficiency improvements.

Implementing organizations provide direct grants to homeowners and offer loans, which may be forgivable, to landlords for repairs on individual affordable units and common areas. Forgivable loans to landlords require compliance with federal accessibility standards and, for non-subsidized tenants, mandates such as offering lease extensions, maintaining unit affordability, and capping annual rent increases at 5 percent or inflation, whichever is lower, for at least three years post-repair. Up to 10 percent of awarded funds can be used for related functions like workforce training, and another 10 percent for administrative expenses.

The Secretary will award grants to between two and ten implementing organizations annually, with a limit of one per state, prioritizing applications that demonstrate a plan for broad geographic coverage, including rural areas. The program emphasizes coordination with existing federal, state, and local home repair initiatives to enhance efficiency and reduce redundancy. Implementing organizations are required to submit annual reports detailing program outcomes, costs, demographics, and fraud prevention measures, with the pilot program authorized for up to $25 million and set to terminate on October 1, 2030.