Property Improvement and Manufactured Housing Loan Modernization Act of 2026 increases loan limits and allows property improvement loans for.
The Property Improvement and Manufactured Housing Loan Modernization Act of 2026 amends the National Housing Act to increase loan limits for manufactured and modular homes and clarify that property improvement loans can be used for constructing accessory dwelling units. The Secretary of Housing and Urban Development must develop or choose methods for indexing loan limits within one year of enactment. The bill also mandates a study on the cost effectiveness of off-site construction housing, including manufactured and modular homes, compared to site-built homes.
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