HR4680Referred to Committee

Access to Homeownership Act

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Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2025-07-23
Introduced
6
Cosponsors
HR
ⓘ
Type

Sponsor

Julie Johnson
Julie Johnson
Democrat · TX · Representative
Votes with party: 96.6% (582 recorded votes)
Top industries funding sponsor:
  • Climate & Environment$5k

Full profile: /officials/J000310

Source: Congress.gov · FEC

Cosponsors (6)

Members who have signed on to support this bill since introduction. Source: Congress.gov.

Latest Action

The most recent step in the bill's legislative path. Committee Activity below shows referrals and reports; the full action-by-action history including floor proceedings lives at Congress.gov →

Referred to the House Committee on Financial Services.

2025-07-23

Source: Congress.gov

Committee Activity

Currently in

Plain-English Summary

This bill would likely make it easier for people to buy homes by changing lending rules or down payment requirements that currently prevent some buyers from qualifying for mortgages. The changes could affect banks and lenders who issue home loans, as well as potential homebuyers who struggle to save enough money upfront or have credit histories that make them seem risky to lenders. The specific details of how it would help would depend on what the House Financial Services Committee decides as it reviews the proposal.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

Subjects

Finance and Financial Sector
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Open text viewRead on Congress.gov

Related legislation

Bills by the same sponsor or covering overlapping subjects.