Contact Congress about H.R. 2854: Neighborhood Homes Investment Act

This bill would help pay for building or heavily fixing homes in certain distressed neighborhoods. The homes would have to be sold at below-set price limits to income-qualified buyers who will live in them. States would hand out the credits, and the tax changes would start after 2025.

Modern Action explains legislation in plain English, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

Neighborhood Homes Investment Act is a House bill in committee. The latest recorded action: Referred to the House Committee on Ways and Means.

Latest action on H.R. 2854: Referred to the House Committee on Ways and Means.

Who this affects: This bill mainly affects homebuyers with moderate or lower incomes in certain neighborhoods, along with builders, nonprofit developers, and homeowners who need major repairs. It also directly affects state housing agencies, because they would control the credits and decide which projects get approved. Some neighborhoods with long-term disinvestment, rural areas, disaster-affected areas, and places with too little affordable for-sale housing could see the most direct impact.

Why this matters: This bill matters because in some neighborhoods it costs more to build or fully fix a home than a local buyer can pay. That often stops projects before they start. This credit is meant to fill that gap and make more for-sale homes possible in places that have seen disinvestment. It also gives states a new tool to support owner-occupied housing and major home repairs, though the actual impact would depend on state choices, program capacity, and annual credit limits.

Key provisions in H.R. 2854

• Creates a new federal Neighborhood Homes Credit. It would help pay to build or heavily repair owner-occupied homes in certain census tracts.
• Caps the credit for each home under three tests. The amount cannot exceed most or all of the gap between approved costs and the affordable sale price, 40% of eligible costs, or 32% of the national median sale price for a new home, whichever is smallest.
• Defines qualified homes in a specific way. They must be 1- to 4-unit houses, condo units, or co-op units on permanent foundations in certain low-income, distressed, disaster, or housing-shortage census tracts.
• Limits who can buy these homes and at what price. Buyers must have family income at or below 140% of area median income, or 120% in some tracts, and must live in the home as their main home.
• Gives each state a set amount of credit each year. The amount is based on population, uses a per-person formula, includes a $12 million minimum, and lets states carry unused credit forward for up to three years.

How Modern Action helps you take action on H.R. 2854

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 2854

What is H.R. 2854?

This bill would help pay for building or heavily fixing homes in certain distressed neighborhoods. The homes would have to be sold at below-set price limits to income-qualified buyers who will live in them. States would hand out the credits, and the tax changes would start after 2025.

How do I support or oppose H.R. 2854?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 2854?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain H.R. 2854 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.