POSITIVE Housing & Affordability 119th Congress

H.R.6390 Make Housing Affordable and Defend Democracy Act

Comprehensive housing bill — first-time homebuyer credits, starter home construction, enhanced LIHTC, and renter tax credits (119th Congress)

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Legal & Constitutional Grounding

LIHTC (26 USC 42) is primary production tool; Freddie Mac and NLIHC document multi-million-unit shortage.

26 U.S.C. § 42 — Low-Income Housing Tax Credit (LIHTC)

Freddie Mac (May 2021): 3.8 million unit housing deficit as of Q4 2020
NLIHC Gap Report (2026): 7.2 million affordable rental home shortage for ELI renters

Comprehensive housing bill with first-time homebuyer credits, starter home construction, enhanced LIHTC, and renter tax credits. The bill addresses all dimensions of the housing crisis — supply, affordability, and homeownership access.