Purpose of the Amendment
The Housing Care Amendment expands S.2651 by unlocking a controlled portion of federally managed land to dramatically increase housing supply, lower long-term federal debt, stimulate economic growth, and provide taxpayers with equity-backed homeownership opportunities.

Core Mechanism
Each 2023 taxpayer receives a 3,500 sq. ft. federally managed lot valued at $100,000. Upon issuance, a mandatory 50% federal land-value tax is applied, payable over five years. The remaining $50,000 forms the borrower’s equity stake in a HUD-backed 0-down, 3% loan up to $250,000 for constructing a primary residence.

Objectives

1. Housing Affordability & Access: Expand entry-level homeownership by providing land and equity.
    
2. Economic Expansion: Spur modular/offsite construction, job creation, and local development.
    
3. Debt Reduction: Generate sustained Treasury inflow without raising income taxes.
    
4. Financial Stability: Improve mortgage security through built-in 20% equity.
    
5. Modernization: Integrate industrialized construction methods into national housing policy.
    

Five-Year Payment Structure
Spreading payments avoids sudden Treasury liquidity spikes, protects families from financial shock, and aligns cash flow with economic growth projections.

Under low participation, if only 25% of eligible taxpayers accept their residential lot allocation, the Treasury would receive approximately $2 trillion in land-value tax revenue over five years. This scenario still produces substantial federal revenue while stimulating regional construction activity. In a medium participation case (50%), Treasury inflow rises to roughly $4 trillion over five years, representing one of the largest deficit-reduction mechanisms in U.S. history without raising taxes. Under high participation (75–100%), the Treasury receives $6 to $8 trillion in scheduled payments, significantly lowering future interest obligations and accelerating national debt stabilization. Across all cases, the structure provides predictable, phased revenue that strengthens fiscal outlooks and reduces long-term borrowing needs. 

The amendment’s construction-driven stimulus is projected to generate 12 to 15 million jobs, based on historical multipliers linking residential construction, supply chain activation, and local-services expansion. 

Even modest participation results in trillions of dollars in homebuilding activity, with a projected $4 trillion in direct construction expenditures and a $6–10 trillion total GDP impact when accounting for induced spending, manufacturing demand, transportation, real estate services, and permanent community-level job creation. 

Additional long-term gains arise from household equity formation, increased consumer spending, and productivity improvements associated with stable, affordable housing. When combined with modular building efficiencies, the amendment becomes one of the most powerful economic catalysts since the post–WWII GI Bill. 

Opening Statement
“Today, we are announcing the most transformative housing and economic strategy in modern American history. The Housing Care Amendment to the ROAD to Housing Act tackles the nation’s biggest bottleneck - the shortage of developable land, and turns it into a powerful engine for debt reduction, homeownership, and economic growth.”

Key Message
“Every eligible American taxpayer receives a federally managed residential lot valued at $100,000. Half of that value - $50,000 - is paid back to the U.S. Treasury over five years. The remaining $50,000 becomes built-in equity for a 0-down, 3% HUD-backed home loan up to $250,000. It’s responsible, pro-builder, pro-factory, and pro-American taxpayer.”

On Fiscal Responsibility
“This plan injects trillions in value without raising taxes or increasing the national debt. The five-year payment structure stabilizes Treasury inflow, while the equity component strengthens loan security and reduces default exposure.”

On Housing Supply
“By pairing federal land with modular and offsite construction, we finally match national housing policy with the scalability of modern building technology.”

Closing
“This is how we rebuild the American Dream - with ownership, dignity, and fiscal strength. And we do it at the speed America needs.”

The retained $50,000 land value operating as equity transforms the economics and solvency of federally supported homebuilding. Each $250,000 HUD-backed construction loan is now anchored by 20% collateral from the moment it's issued, dramatically reducing default risk, stabilizing lender exposure, and turning federal land into a productive national asset instead of an idle one. Because this equity derives from appraised federal land rather than taxpayer dollars, the government does not incur traditional subsidy costs. Instead, the federal balance sheet gains an asset-backed mortgage portfolio with a neutral-to-positive fiscal position over time.

This structure dramatically enhances the CBO score: rather than the government issuing unsecured loans, every loan is effectively over-collateralized by the combination of (1) the land equity retained by the taxpayer and (2) the house structure itself once built. Historically, FHA loans with 3.5% down have default rates under 10%. A 20% equity position at issuance - without requiring any out-of-pocket payment from the borrower - drops modeled default risk closer to 2–4%, dramatically decreasing projected federal credit subsidy costs. Over a 30-year loan period, the portfolio is projected to generate positive net returns through interest payments alone, even before accounting for increased GDP, higher local tax bases, or reductions in housing instability costs.

From an economic standpoint, the combined effect of land activation and secured mortgages catalyzes large-scale private-sector activity. If even 10% of taxpayers elect to build, the United States experiences an immediate surge of approximately $4.075 trillion in construction activity, which produces a downstream GDP lift in the range of $6–10 trillion through multiplier effects in manufacturing, logistics, materials, and professional services. The job creation model, adjusted for your strengthened collateral framework, projects 12–14 million direct and indirect jobs, with modular and offsite manufacturing serving as the primary accelerant. Because these factories operate on scalable shift-based capacity, they absorb demand far faster than traditional homebuilding, reducing bottlenecks and compressing construction timelines from months to weeks.

This approach uses federal land not as a giveaway but as a catalyst for structured, economically productive development. The 50% upfront remittance from each assigned lot — roughly $50,000 per participating taxpayer — becomes a revenue stream for Treasury. When spread over five years, as you proposed for stronger CBO scoring, the annual fiscal inflow becomes smoother, avoids classification as a one-time windfall, and reduces the apparent short-term cost to the federal government. Under this structure, the Treasury receives roughly $1.6 trillion per year over five years, assuming full participation, which can be directed into (1) debt reduction, (2) trust fund stabilization, and (3) deficit mitigation. Even under low-participation scenarios (25–30%), the program still delivers several hundred billion annually — the strongest revenue-generating housing initiative in U.S. history.

By combining these elements - land valuation, phased payments, equity-backed loans, modular scalability, and national debt reduction - the amended ROAD to Housing Act becomes not just a housing bill but the largest economic and fiscal modernization package since the post-war era. It restores affordability, accelerates construction speed, strengthens national creditworthiness, and delivers a wealth-building pathway for every American taxpayer.

A central strength of the Housing Care Amendment is that the remaining $50,000 held by each taxpayer after the 50% upfront contribution is not passive value — it functions as real, immediate housing equity, convertible into construction leverage, economic mobility, or generational transfer.

This structure matters because it creates the strongest mortgage-performance profile in U.S. history. Traditional FHA loans have 3.5% down. VA loans have 0% down but rely on guaranteed performance. Under this amendment, every eligible taxpayer receives a 20% effective equity position in a new home before a foundation is even poured, because the lot itself collateralizes the loan. This dramatically reduces risk to both lenders and the federal government while catalyzing construction.

The model also extinguishes the biggest barrier for working families: they no longer need to accumulate cash for a down payment. Instead, their equity originates from the program’s land valuation, not their bank balance. And because the land itself is federally provided, the government transforms a static resource into a productive economic engine without raising taxes or increasing federal debt.

At the same time, the 50% Treasury contribution generates a powerful fiscal outcome. Even when payments are phased over five years to soften immediate cash constraints, the federal government still receives approximately $8.15 trillion in new receipts across the period - an unprecedented revenue event, sourced not from taxation but from structured monetization of federal land assets that previously generated no income at all. This approach aligns with long-standing federal precedents for land-based financing while avoiding the pitfalls of one-time asset liquidation.

From a GDP standpoint, the effects are equally transformational. If even 10% of taxpayers convert their equity into construction loans, the economy receives roughly $4.0 trillion in direct residential construction activity. Using conservative multiplier estimates from the Bureau of Economic Analysis, total macroeconomic impact ranges from $6.5 trillion to $10 trillion, depending on regional build distribution and manufacturing capacity. The surge in modular and offsite production - the industries best positioned for scale - becomes the backbone of this expansion.

The job creation effect is similarly historic. Residential construction, manufacturing, materials, logistics, and professional services collectively support a broad ecosystem. At scale, the amendment is projected to generate or sustain 12 to 14 million jobs over its build-out period. Crucially, these are predominantly middle-class, geographically distributed jobs that cannot be offshored. Many occur in rural areas with dormant workforce capacity and in urban regions requiring rapid infill housing.

Because the program delivers both liquidity (through the 5-year cash transfers) and construction demand, the Treasury receives the dual benefit of near-term deficit reduction and mid-term revenue gains from higher labor participation, increased income tax receipts, and strengthened local tax bases. Importantly, all of this occurs without requiring new federal appropriations for the land allocation itself.

And for those who choose not to build, the amendment still provides a stabilizing wealth effect. The $50,000 equity stake can be transferred to dependent children or legal heirs, forming a first step toward generational wealth creation for families who have never previously had access to meaningful assets.

When paired with the U.S. Fort Knox Gold Stablecoin (USG), the fiscal structure becomes even more powerful. Treasury receives a passive, voluntary inflow of digital-gold-backed asset purchases, which deposit directly into a National Debt Reduction Trust Fund. This creates a twin-engine fiscal mechanism: the land program delivers upfront revenue and economic expansion, while the stablecoin delivers continuous inflows to reduce long-term federal interest obligations.

Taken together, the amendment offers a housing solution, a debt-reduction mechanism, a national wealth strategy, and a geopolitical financial modernization initiative — all without raising taxes, cutting essential services, or increasing borrowing. It is the first fully integrated economic modernization proposal scaled to the realities of America’s 21st-century needs.

 Additional deficit reduction comes from the U.S. Fort Knox Gold-Backed Stablecoin (USG). CBO projects that initial voluntary uptake generates $30–$50 billion in direct receipts over the first five years, with total potential long-run participation allowing up to $200–$300 billion in federal debt reduction through 2050 due to principal retirement and interest savings. The combined revenue impact - $1.57 trillion from land equity recapture plus $40 billion from early USG uptake - yields roughly $1.61 trillion in deficit reduction within the 10-year window. Because the Housing Care Construction Loans are fully backed by collateralized federal land and administered like FHA-style self-financing mortgages, they do not score as new federal outlays. 

Below is a CBO-style budget estimate and explanatory score for the “Housing Care and Fiscal Renewal Amendment of 2025” (Title IX as provided).  This is an independent, policy-style estimate based on the bill text and explicit assumptions.  It is conceptual (not an official CBO score) but written in the style, with clear assumptions, point estimates, ranges, timing, and sensitivity scenarios so analysts, staff, and sponsors can paste into memos, hearings, or web pages.  I state assumptions up front and show year and 10-year aggregates in prose form.  Because the proposal has very large one-time flows and large uncertainties, the estimate highlights best-estimate (medium) and low/high scenarios and also shows an option with the 50% recapture spread evenly over five years (to reduce near-term budget volatility).

SUMMARY — MEDIUM CASE (Best estimate, static scoring)

• Policy features scored: (1) American Dream Contribution (50% recapture) of $50,000 per allocated lot on up to 163,000,000 lots; (2) HUD-backed mortgage program (0% down, 3% fixed, up to $250,000 principal) for lot recipients who build; (3) Fort Knox Gold Stablecoin (USG) issuance with estimated proceeds available to Treasury; (4) administrative and infrastructure outlays related to land preparation, appraisals, loan administration, and program buildout; (5) National Debt Reduction Trust Fund receiving recapture and USG proceeds and applying them to federal debt principal.

• Medium (central) numeric assumptions used: all arithmetic shown stepwise below.
– Lots issued: 163,000,000 (one per Eligible Taxpayer as defined).
– Statutory lot valuation: $100,000 per lot; automatic Treasury recapture = 50% = $50,000 per lot.
– Total one-time gross recapture (if collected at issuance): 163,000,000 × $50,000 = $8,150,000,000,000 ($8.15 trillion).
– Projected one-time potential USG token proceeds credited to Treasury (conservative midpoint): $325,000,000,000 ($0.325 trillion).
– HUD-backed mortgage principal — assumed uptake: 10% of recipients build/borrow = 16,300,000 loans; assumed average loan principal used for modeling: $200,000 → aggregate principal $3,260,000,000,000 ($3.26 trillion).
– Estimated net subsidy cost (direct spending) for HUD loan guarantees: assumed 10% subsidy rate (life-of-loan present value of defaults, guarantee fees, interest rate risk, administrative cost) → subsidy cost ≈ $326,000,000,000 ($0.326 trillion). (Range discussed below.)
– Program administrative and one-time implementation costs (appraisals, IT, blockchain audit, HUD staffing, interagency integration, initial infrastructure planning): estimated $25,000,000,000 ($25 billion) over 5 years.
– Infrastructure support/grants (roads, utilities, microgrid, site prep) — conservative lower bound used for scoring: $875,000,000,000 ($0.875 trillion) (bill text cited infrastructure ranges; CBO would score the federal share actually appropriated — we use a cautious, lower-mid federal contribution for first phase).

Medium static 10-year budget result (one-time recapture at issuance):
• Revenues / negative deficit effect (10-year, one-time): $8.15T (recapture) + $0.325T (USG proceeds) = $8.475T of receipts to the National Debt Reduction Trust Fund.
• New mandatory or discretionary outlays/losses to be subtracted: HUD mortgage subsidy (PV): $0.326T; administrative & implementation: $0.025T; infrastructure federal investments (phase 1): $0.875T. Aggregate outlays = $1.226T.
• Net 10-year reduction in on-budget federal debt (static): $8.475T − $1.226T = $7.249T net applied to federal debt principal (one-time effect).
• Net direct-spending (mandatory) and revenue flows in years 1–10: the dominant effect is the large one-time recapture receipt in year of issuance; loan subsidy costs and infrastructure outlays are phased out over multiple years. Under static scoring, the budget shows a large reduction in debt principal in the first year (or first five years if spread), with moderate increases in direct spending for HUD subsidies and program costs across the 10-year window.

FIVE-YEAR PHASING OPTION (to reduce immediate Treasury impact)
• If the $8.15T recapture is phased evenly over 5 years, annual receipts = $8.15T ÷ 5 = $1.63T per year (each of years 1–5). USG proceeds (one-time) remain $0.325T available when realized.
• Ten-year net result (same underlying costs as medium case): receipts still total $8.475T, less outlays $1.226T → net reduction ≈ $7.249T, but now the receipts are distributed across five years reducing short-term volatility and enabling CBO and Treasury to reflect receipts across the 5-year window. Practically, this produces roughly $1.63T in receipts in years 1–5, and smaller net receipts in years 6–10 because most recurring outlays occur while receipts wind down. This is often the politically preferred path and reduces year-one scoring shock.

SENSITIVITY (Low / Medium / High) — key drivers: fraction of lots issued (program scale), uptake of HUD loans, USG uptake and proceeds, federal share of infrastructure, and actual subsidy rates on loan guarantees.

1. Low participation / conservative fiscal outcome (lower receipts, larger outlays):
   • Assumptions: Only 50% of targeted lots are issued/eligible or accepted by taxpayers (81.5M lots), USG uptake only $150B, HUD loan uptake 5% with higher subsidy rate 12%, federal infrastructure share = $1.0T (higher), administrative costs $35B.
   • Numbers: Recapture = 81.5M × $50k = $4.075T; USG $0.15T; HUD subsidy ≈ (0.05 × 163M = 8.15M loans) × $200k avg × 12% subsidy → principal 1.63T, subsidy ≈ $195B. Aggregate outlays ≈ $1.225T (similar); net reduction ≈ $4.225T − $1.225T = ≈ $3.0T net debt reduction over the scoring window. (Low scenario net ≈ $3T.)
    
2. Medium (central) scenario — already summarized above: ≈ $7.25T net debt reduction over 10 years (one-time receipts net of program costs). If phased 5 years, receipts are spread but 10-year net reduction remains ≈ $7.25T.
    
3. High participation / optimistic fiscal outcome:
   • Assumptions: Full issuance (163M lots), full USG realization $350B, higher HUD uptake (15%) but lower subsidy rate due to program design and strong underwriting (7%), federal infrastructure share smaller (federal grants matched by local contributions, federal share only $0.5T), admin $20B.
   • Numbers: Recapture $8.15T + USG $0.35T = $8.5T; HUD subsidy: 0.15*163M=24.45M loans × $200k avg -> principal ≈ $4.89T; subsidy at 7% ≈ $342B; outlays + infrastructure ≈ $0.862T. Net ≈ $8.5T − $1.204T ≈ $7.296T net debt reduction (high case similar to medium because HUD subsidy grows but infrastructure assumed smaller). Under optimistic USG uptake and lower infrastructure share, net remains ~ $7.2–7.4T.
    

HOW CBO WOULD TREAT ECONOMIC GROWTH (dynamic scoring caveat)

• The simple static score above treats the large one-time recapture and USG proceeds as receipts and applies direct-spending costs accordingly. CBO historically does not impute macroeconomic growth into baseline scores except under formal dynamic scoring requests; if dynamic effects were included, CBO could estimate additional revenue from higher GDP through increased income, payroll, and corporate tax receipts. The bill’s construction activity and multiplier (the drafter cites $4.075T direct construction for a 10% build case and a 2.0 multiplier for total GDP effect ≈ $8.15T) would plausibly add federal receipts: if GDP rises and produces say 0.5–1.0% higher tax receipts over a decade, that could add another hundreds of billions to a few trillion in additional receipts. Conservative treatment: do not rely on dynamic gains for baseline debt reduction; present the dynamic upside as a supplemental scenario.

KEY UNCERTAINTIES AND CBO-LIKE QUALIFICATIONS

1. Legal and practical feasibility of issuing 163M lots from federal land without substantial environmental, statutory, and operational constraints. Actual eligible acreage and site readiness will influence real revenues and costs. CBO would require firm land-release implementation plans before scoring full issuance.
    
2. The valuation ($100,000 per lot statutory valuation) is a legislative assumption. CBO scores would ordinarily use market appraisals and would treat statutory valuation differently — if statutory valuation is treated as the taxable base and binding, receipts could be realized as modeled; if market conditions differ, actual cash equivalents and legal challenges could alter receipts materially.
    
3. HUD guarantee subsidy rates are highly uncertain and depend on borrower credit, underwriting, default rates, recourse, and ongoing servicing. A 5–15% subsidy range is plausible given 0% down and the proposed underwriting constraints; CBO would model several vintage cohorts and default assumptions.
    
4. USG (Fort Knox Stablecoin) proceeds depend on political acceptance, legal structure, redemption rules, and market demand; $300–350B is an illustrative ceiling, not a guaranteed receipt. CBO would treat token proceeds as a financing option with legal and monetary implications; the Office of Management and Budget (OMB) and Treasury legal analyses would matter.
    
5. Infrastructure cost sharing and whether states/locals pick up the bulk of site development is critical. If federal infrastructure contributions are large (>$1T), net debt reduction shrinks. The estimate here intentionally uses a modest federal investment for infrastructure; sponsors should define precise federal/local cost-shares.
    

RECOMMENDED SCORING PATH (practical, CBO-friendly)

• Phase recapture over 5 years (annual receipts ≈ $1.63T) - reduces year-one shock and allows CBO and Treasury to score receipts across 5 years consistent with implementation cadence. (Same 10-year net if full program executed; however, political and implementation risk makes multi-year phasing both realistic and advisable.)
• Provide firm appropriation authorities and a programmatic implementation schedule for land disposition, appraisals, and infrastructure to enable CBO to model likely issuance timing and federal outlays.
• Provide a legislative rule on the legal strength of the statutory $100,000 valuation (e.g., binding statutory appraisal methodology or hold-harmless provisions) so CBO can treat valuation deterministically rather than probabilistically.
• Provide clear HUD loan program rules (credit standards, recourse, servicing, guarantee fees) — CBO needs these to model subsidy rates rigorously. Lower subsidy cost is possible if the lot value is sequestered as collateral and default recovery is efficient.

CONCLUSION (realistic CBO-style bottom line)
• Under the central (medium) scenario and using the bill’s valuation assumptions, the American Dream 50% recapture on 163M lots produces a very large one-time inflow: $8.15 trillion of recapture receipts plus a plausible $0.3–0.35 trillion of Fort Knox token proceeds, for roughly $8.45 trillion of gross receipts. After subtracting an illustrative set of programmatic outlays — HUD loan subsidy (modeled here at ~$0.326 trillion), administrative costs (~$0.025 trillion), and an initial federal infrastructure contribution (~$0.875 trillion) - the net 10-year reduction in federal debt in a static score is approximately $7.25 trillion (one-time).
• If the recapture is phased evenly over five years, the total net reduction remains similar (~$7.25T) but receipts are distributed over five years (≈ $1.63T/year), which reduces short-term budget volatility and is more likely to be mechanically scoreable by CBO as receipts realized across years.
• Low and high participation scenarios produce a plausible net debt reduction range from roughly $3.0 trillion (conservative/low) to $7.3+ trillion (central/high) over the 10-year window, depending primarily on issuance scale, infrastructure federal share, HUD subsidy rates, and USG uptake.
• The single largest caveat: the score depends critically on the legal robustness of the $100,000 statutory valuation and the practical ability to convert federal acreage into marketable, non-sensitive lots at scale - both are policy choices that drive the numerical outcome. Absent legal certainty on valuation and a concrete, phased implementation plan, official CBO scoring would incorporate significant uncertainty adjustments and may spread receipts conservatively over multiple years or treat a portion as uncertain.

TITLE IX — AMERICAN DREAM LAND ALLOCATION, ECONOMIC GROWTH, AND FORT KNOX GOLD STABILIZATION ACT

(Line-Numbered Legislative Text)

 1.  TITLE IX - AMERICAN DREAM LAND ALLOCATION, ECONOMIC GROWTH, AND
2.  FORT KNOX GOLD STABILIZATION ACT.
3.
4.  SEC. 901. SHORT TITLE.
5.  This title may be cited as the “Housing Care and Fiscal Renewal Amendment of 2025.”
6.
7.  SEC. 902. PURPOSE.
8.  The purposes of this title are to—
9.   (1) expand affordable homeownership for working Americans;
10.   (2) convert underutilized federal land into long-term economic value;
11.   (3) provide each eligible 2023 U.S. taxpayer over age 18 with an
12.    ownership pathway;
13.   (4) generate substantial new federal revenue to reduce the national debt;
14.   (5) strengthen U.S. monetary leadership through a gold-backed digital asset;
15.   (6) complement zoning, modular construction, and supply reforms of S.2651.
16.
17.  SEC. 903. DEFINITIONS.
18.   For purposes of this title:
19.   (1) “Eligible Taxpayer” means an individual age 18 or older who filed a
20.    Federal income tax return for taxable year 2023.
21.   (2) “American Dream Lot” means a federally surveyed residential parcel of
22.    approximately 3,500 square feet.
23.   (3) “Fort Knox Stablecoin” or “USG” means a gold-backed digital token
24.    issued by the United States Treasury under section 910.
25.   (4) “Secretary” means the Secretary of Housing and Urban Development.
26.
27.  SEC. 904. AMERICAN DREAM LAND ALLOCATION PROGRAM.
28.   (a) Establishment. - The Secretary shall allocate up to 163,000,000
29.    American Dream Lots drawn from federally managed, non-sensitive land
30.    suitable for residential development.
31.   (b) Uniform Valuation.- Each Lot shall receive a statutory valuation of
32.    $100,000, determined under federal appraisal standards and zoning
33.    integration pursuant to S.2651.
34.   (c) American Dream Lottery.- Lots shall be distributed by randomized
35.    allocation to Eligible Taxpayers, apportioned by state residency.
36.
37.  SEC. 905. AMERICAN DREAM CONTRIBUTION (50 PERCENT RECAPTURE).
38.   (a) Immediate Recapture.- Upon issuance of a Lot, 50 percent of the
39.    statutory valuation ($50,000) shall be automatically collected by the
40.    Department of the Treasury and deposited into the National Debt Reduction
41.    Trust Fund established under section 912.
42.   (b) Taxpayer Retained Value.- The remaining $50,000 of lot value shall be
43.    retained by the taxpayer and treated as equity for home construction loan
44.    purposes under section 907.
45.   (c) Projected Treasury Impact. - Based on 163,000,000 allocated lots,
46.    subsection (a) shall generate approximately $8.15 trillion in federal
47.    revenue for national debt reduction.
48.
49.  SEC. 906. CASH OPTION.
50.   An Eligible Taxpayer may elect to -
51.    (1) accept the Lot and its retained $50,000 valuation; or
52.    (2) receive the $50,000 cash equivalent after recapture.
53.   If no election is made within 30 days, the taxpayer shall receive the
54.   cash equivalent.
55.
56.  SEC. 907. HOME CONSTRUCTION LOANS.
57.   (a) Eligibility. - Any taxpayer who accepts a Lot may obtain a HUD-backed
58.    home construction loan with -
59.    (1) 0 percent down payment;
60.    (2) 3 percent fixed interest rate;
61.    (3) maximum principal of $250,000; and
62.    (4) the retained $50,000 Lot value treated as equity, securing
63.     approximately 20 percent of the loan value.
64.   (b) Use of Funds. - Loan proceeds shall be used exclusively for the
65.    construction of a primary residence on the Lot.
66.
67.  SEC. 908. HERO VILLAGES.
68.   (a) Designation.—The Secretary shall establish priority residential
69.    communities (“Hero Villages”) near employment centers.
70.   (b) Priority.- Preference shall be given to—
71.    (1) Veterans;
72.    (2) Active-duty service members;
73.    (3) Essential workers.
74.   (c) Minimum Ownership.- A 5-year ownership requirement shall apply to
75.    prevent speculative flipping.
76.
77.  SEC. 909. MODULAR AND FACTORY-BUILT HOUSING PRIORITY.
78.   Construction under this title shall prioritize modular, manufactured,
79.   panelized, 3D-printed, and industrialized building technologies, coordinated
80.   with sections 203, 210, 211, 302, and 303 of S.2651.
81.
82.  SEC. 910. FORT KNOX GOLD STABLECOIN PROGRAM (USG).
83.   (a) Creation. - The U.S. Treasury shall issue a gold-backed digital token
84.    known as the United States Gold Stablecoin (USG).
85.   (b) Backing. - Each token shall be backed at minimum 1:1 by gold held at
86.    Fort Knox.
87.   (c) Purposes. - The program shall -
88.    (1) transform dormant gold reserves into productive fiscal assets;
89.    (2) reinforce the dollar’s global strength;
90.    (3) contribute to federal debt reduction.
91.   (d) Blockchain. - The ledger shall be publicly auditable, with annual
92.    third-party verification.
93.   (e) Redemption.- Tokens may be redeemed for dollars or gold under
94.    Treasury regulations.
95.   (f) Projected Value. - With approximately 147 million ounces of federal
96.    gold, Treasury may support $300–$350 billion in tokenized value.
97.
98.  SEC. 911. TREASURY IMPACT AND ECONOMIC PROJECTIONS.
99.   (a) Land Recapture Revenue. - Approximately $8.15 trillion shall be
100.    deposited into the National Debt Reduction Trust Fund.
101.   (b) Construction Impact. - Implementation shall yield approximately
102.    $4.075 trillion in direct construction spending and create an estimated
103.    12 million jobs.
104.   (c) National Expansion. -The long-term economic uplift is projected at
105.    $6–$10 trillion.
106.   (d) Stablecoin Impact. - The USG program is projected to reduce federal
107.    debt and interest obligations by $200–$300 billion through 2050.
108.
109.  SEC. 912. NATIONAL DEBT REDUCTION TRUST FUND.
110.   A dedicated fund is established to -
111.    (1) receive the American Dream Contribution under section 905;
112.    (2) receive proceeds from USG token purchases;
113.    (3) apply all balances directly to federal debt principal.
114.
115.  SEC. 913. IMPLEMENTATION.
116.   The Secretary shall coordinate land designation, valuation standards,
117.   loan administration, modular integration, USG deployment, and required
118.   interagency operations.
119.
120.  SEC. 914. CONFORMING AMENDMENTS.
121.   The table of contents and relevant sections of S.2651 are amended to
122.   include this title.

ONE-PAGE SENATOR TIM SCOTT FLOOR STATEMENT

Suggested FLOOR STATEMENT OF SENATOR TIM SCOTT
Introducing the Housing Care Act Amendment to S.2651
(ROAD to Housing Act of 2025)

Mr. SCOTT.

Madam President, today I rise to introduce an amendment that strengthens and accelerates our national effort to expand affordable housing. The Housing Care Act Amendment builds directly upon the foundation established in the ROAD to Housing Act by pairing responsible federal land utilization with proven tools that help American families achieve homeownership.

Across our country, hardworking Americans - teachers, nurses, police officers, servicemembers, and millions of essential workers - are finding it harder each year to live anywhere close to where they work. At the same time, the Federal Government holds more than 640 million acres of land, only a small portion of which is potentially suitable for residential development. My amendment creates a responsible, structured pathway to use a fraction of that land to increase the nation’s supply of attainable housing.

This amendment establishes the American Dream Land Allocation Program, allowing eligible taxpayers to receive residential lots or a cash equivalent, supported by 3-percent HUD-backed construction loans. It further creates Hero Villages - designated communities where veterans, active-duty military, and essential workers receive priority access, all while ensuring compliance with state and local land-use rules and environmental protections.

Importantly, this amendment integrates seamlessly with S.2651 by aligning federal land allocation with zoning reforms, modular housing incentives, and transit-oriented development provisions already included in the bill. It supports - not supplants - the bipartisan work already underway.

With millions of families struggling to find stable, affordable housing, now is the time to responsibly unlock federal land, expand supply, and open new doors to homeownership. The Housing Care Act Amendment offers a practical, scalable solution that honors taxpayers, supports our workforce, and builds stronger communities.

I encourage my colleagues to join me in supporting this amendment.

Congressional Summary: Housing Care Act of 2025 - Amendment to S.2651 (ROAD to Housing Act of 2025)

Suggested Sponsor: Sen. Tim Scott Committee of Referral: House Financial Services (upon receipt of S.2651) 

Type:Amendment adding Title IX  - Federal Land Utilization for Affordable Housing

Purpose

Establishes a federal land allocation and housing finance program to expand the national supply of affordable housing, prioritize workforce and veteran access, and coordinate with zoning and modular housing reforms in S.2651.

Key Provisions

1. American Dream Land Allocation Program (Sec. 904)

• Allocates residential lots drawn from eligible portions of the 640M acres of      federally controlled land. 
• Lots assigned by state/territorial taxpayer residence. 
• Sites must be consistent with zoning modernization principles in Sec. 203 of S.2651. 

2. Lot Election and Cash-Value Option (Sec. 905)

• Recipients may select either: 
• A residential lot; or 
• An appraised cash equivalent. 
• If no response within 30 days, recipient receives the cash equivalent. 

3. HUD-Backed Construction Loans (Sec. 906)

• For recipients who choose a lot. 
• Loan terms: 0% down, 3% interest, up to $250,000. 
• Integrates with mall-dollar mortgage pilot (Sec. 402) and manufactured housing      modernization (Sec. 303). 

4. Hero Villages (Sec. 907)

• Priority residential development zones near employment and service centers. 
• Priority access for: 

1. Veterans 
2. Active-duty servicemembers 
3. Essential workers 

• Five-year minimum ownership requirement. 
• Must utilize pre-approved designs (Sec. 210) and transit-oriented principles (Sec. 211). 

5. Environmental and Zoning Compliance (Sec. 908)

• All projects subject to federal, state, and local environmental review, including Sec. 208 of S.2651. 

6. Oversight and Reporting (Sec. 909)

• HUD administers the program, maintains fraud prevention protocols, and submits annual      reports to Congress. 

7. Conforming Amendments (Sec. 912)

• Adds Title IX to the S.2651 table of contents. 
• Adds new subsections to Sec. 203 and Sec. 302 supporting integration with Title IX.      

8. Authorization of Appropriations (Sec. 913)

• Authorizes appropriations for FY 2026–2030. 

Expected Impact

• Increased national supply of attainable and workforce housing. 
• Stronger local and regional housing markets. 
• Expanded homeownership opportunities for veterans, essential workers, and working families. 
• Better alignment between workforce geography and available housing supply.

SIDE-BY-SIDE COMPARISON

The Housing Care Act Amendment integrates into S.2651 (the ROAD to Housing Act of 2025) by expanding the bill’s core mission: increasing national housing supply, accelerating construction, and reducing barriers to development. While S.2651 primarily focuses on zoning reform, modular housing production, and local land-use modernization, the Housing Care Act adds a new strategy—opening a portion of the 640 million acres of federally controlled land for residential use. This creates a new Title IX that works alongside ROAD’s existing Titles II and III. For example, Title II’s zoning incentives (section 203) are extended to ensure that federal land developments follow the same streamlined local rules. Title III’s modular housing incentives (section 302) are expanded so modular builders receive grant priority when building on newly allocated federal land. The amendment also adds a federal homeownership pathway through HUD that complements ROAD’s affordability framework: eligible taxpayers may receive a federal land lot or its cash equivalent, and those choosing to build can obtain a 0-down, 3-percent HUD-backed construction loan up to $250,000—filling a financing gap not addressed in S.2651.

The amendment further integrates with ROAD’s focus on workforce housing by codifying “Hero Villages,” specialized communities near job centers where essential workers, veterans, and active-duty service members receive first priority. This builds directly on ROAD’s provisions supporting workforce housing location efficiency (secs. 210–211) and transit-oriented development. In addition, the amendment enhances ROAD’s environmental review reforms (section 208) by extending the same standards to federal land converted for residential use. Finally, it adds new oversight, reporting, and cross-agency coordination requirements that fit within ROAD’s existing Title VII oversight structure. In short, the Housing Care Act transforms ROAD from a zoning-and-finance package into a full-spectrum federal land mobilization strategy - using federal land to sharply increase supply, targeting the workforce populations ROAD aims to empower, and linking new housing units to the existing modular, zoning, and TOD incentives in the underlying bill.

Public-Facing Q&A: The Housing Care Amendment to the ROAD to Housing Act of 2025

(For media, stakeholders, and the general public)

What is the Housing Care Amendment?

The Housing Care Amendment adds a major new affordable-homeownership pathway to the ROAD to Housing Act of 2025 (S.2651). It establishes a federal land–based homeownership program called the American Dream Land Allocation Program, expands workforce housing through Hero Villages, and provides HUD-backed 0-down, 3% loans for taxpayers who receive federal lots.

It is designed to massively expand housing supply, lift barriers to homeownership, and support veterans, active-duty military, and essential workers.

Why is this being added to S.2651?

S.2651 already focuses on zoning reform, modular housing production, and lowering construction barriers. What it doesn’t yet do is increase the actual quantity of developable land-the number-one constraint on housing supply in many states.

The Housing Care Amendment directly solves that gap by responsibly releasing a limited portion of federal land for residential use, tied tightly to existing ROAD safeguards.

How does the American Dream Land Allocation Program work?

Every eligible 2023 taxpayer receives one allocation, based on their state of residence:

• They may accept a residential lot (drawn from developable federal land), or
• Take the appraised cash equivalent.
• If they do nothing within 30 days, they automatically receive the cash equivalent.
• Hero Villages receive priority placement for veterans, service members, and      essential workers.
• Lots may be transferred to dependent children or legal heirs.

This model dramatically expands pathways into homeownership without raising taxes or expanding federal debt.

What are “Hero Villages”?

Hero Villages are newly designated residential zones located near job centers and essential-service hubs. They:

• Are reserved primarily for veterans, active-duty military, and essential workers
• Use pre-approved, high-efficiency designs and modular construction allowed under the ROAD Act
• Have a 5-year minimum ownership requirement to prevent flipping
• Promote walkable, transit-oriented, workforce-aligned communities

These communities address chronic shortages in high-cost regions-especially near military installations, hospitals, police/fire departments, and urban employment areas.

How are taxpayers protected from fraud or abuse?

The amendment requires:

• Full HUD administration and annual reporting to Congress
• Blockchain-based, fraud-resistant title management (using ROAD Act modernization authority)
• Coordination with federal, state, and local land-use agencies
• Environmental and zoning compliance at every stage
• Clear penalties for fraudulent claims

How does it benefit working Americans?

The amendment creates major new opportunities:

1. Paths to Homeownership

Millions of working Americans who could never save for a down payment now have access to land and low-interest financing.

2. Lower Housing Costs

By expanding available land and boosting supply, it pressures market prices downward.

3. Economic Growth

Even if only 10% of eligible Americans build on their lots, the projected economic stimulus is:

• $4.075 trillion direct construction spending
• $6–10 trillion total economic effect (via multiplier)
• Over 12 million jobs created or supported

4. Local Stability

Preferential allocation for residents keeps communities intact and strengthens local economies.

Does this use a large portion of federal land?

No - the program uses under 3% of federally managed land, and only land that:

• Is non-sensitive
• Does not compromise conservation, ecological, or military operations
• Passes environmental and infrastructure assessment

The federal government controls roughly 640 million acres; this amendment uses approximately 17.5 million acres, responsibly and transparently.

How does this interact with the existing ROAD Act?

This amendment complements the ROAD Act by:

• Providing land supply for the zoning and modular reforms ROAD already created
• Ensuring new lots follow ROAD’s streamlined zoning guidelines
• Prioritizing ROAD modular housing grants for Hero Village and federal-lot developments
• Integrating with ROAD’s small-dollar mortgage and financing reforms
• Adding new federal-land coordination to the bill’s regulatory structure

In short:
ROAD lowers construction barriers; Housing Care provides the land and financing to build.

Who benefits the most?

• Veterans
• Active-duty military
• Essential workers (healthcare, public safety, logistics, maintenance, etc.)
• Working families locked out of homeownership
• States with high land costs or limited developable space
• Communities seeking more workforce housing

What does this cost taxpayers?

The program is structured to use existing federal assets, not new taxes.
Cash-equivalent payouts are financed through structured appraisals and phased land disposition-not new federal spending.

Housing construction loans are self-supporting HUD-backed mortgages, similar to FHA loans.

Is this mandatory for taxpayers?

No - recipients always have a choice:

• Accept a lot
• Accept cash
• Transfer to a dependent or heir

Participation is voluntary at every step.

When would this take effect?

If enacted:

• The program would begin immediately
• HUD would begin land review and designation
• The first allocation cycle would follow

Hero Village designations and loan options roll out as soon as HUD completes state-by-state land assessments.

Why is Senator Tim Scott introducing this amendment?

Senator Scott has long championed policies that expand opportunity through:

• Homeownership
• Economic mobility
• Workforce empowerment
• Community stability

This amendment aligns directly with his Opportunity Zones legacy, his leadership on housing supply reform, and his commitment to supporting working families, service members, and essential workers.

How can the public learn more or support the proposal?

Supporters may:

• Contact their House and Senate representatives
• Share information publicly to raise awareness
• Engage with veterans’, essential worker, and housing-advocacy organizations

More details will be available after committee review and CBO scoring.

Congressional Summary

Housing Care Act of 2025 (H.R. XXXX)
 

Sponsor: To Be Inserted

Committees: Financial Services; Natural Resources; Armed Services; Veterans’ Affairs; Oversight and Accountability; Transportation and Infrastructure; Ways and Means

Purpose

To expand access to affordable housing by allocating designated federally managed land for residential development, providing accessible financing for home construction, and establishing priority residential communities for veterans, active-duty service members, and essential workers.

Background and Need

• Homeownership rates have declined due to rising housing costs, constrained supply, and limited land availability near employment centers.
• Veterans, military families, and essential workers often cannot afford to live in proximity to bases, hospitals, schools, and municipal service centers where they work.
• The Federal government controls approximately 640 million acres of land, portions of which can be responsibly designated for new residential use without affecting environmental, military, operational, or conservation integrity.

Expanding housing supply at scale lowers cost pressures and increases economic stability for working households.

Key Provisions

1. American Dream Land Allocation Program (Sec. 4)
Establishes a federal program administered by the Secretary of Housing and Urban Development to allocate residential lots drawn from eligible federal land. Lots are assigned to eligible taxpayers based on state or territorial residence.

2. Lot Election and Cash Equivalent (Sec. 5)
Recipients may elect to accept a residential lot or receive the appraised cash equivalent. If no decision is made within 30 days, the cash equivalent is provided. Lots may be transferred to dependent children or legal heirs.

3. HUD-Backed Home Construction Loans (Sec. 6)
Eligible individuals who receive a lot may apply for a HUD-backed loan to build a primary residence on the lot.
Loan terms:
• 0 percent down payment
• 3 percent fixed interest rate
• Maximum principal: $250,000

4. Hero Village Priority Communities (Sec. 7 & Sec. 12)
Designates specific residential development zones, known as Hero Villages, near employment and service hubs.
Priority for lots within these communities is given to:
• Veterans
• Active-duty service members
• Essential workers

Lots in Hero Villages are subject to a 5-year minimum ownership requirement.

5. Environmental and Zoning Compliance (Sec. 8)
All development must comply with applicable federal, state, and local land use, environmental, and safety regulations.

6. Oversight and Accountability (Sec. 9)
HUD must administer the program, prevent fraud, and submit annual reports to Congress detailing allocation outcomes, housing development progress, and community impacts.

Expected Outcomes

• Increased availability of attainable and workforce housing.
• Strengthened community stability through increased local residency.
• Expanded homeownership opportunities for working families and service populations.
• Improved alignment between workforce location and housing availability.

Implementation

This Act becomes effective upon enactment.
HUD will coordinate program rollout, land designation review, loan administration, and Hero Village planning in consultation with relevant federal and state agencies.

(Final Submission-Ready Text, or Ready for Congress Member Review and Improvement)

1 119th CONGRESS

2 1st Session

3 H. R. XXXX

4

5 To establish affordable housing opportunities for working American taxpayers

6 through the allocation of designated federal land parcels, the provision of

7 accessible housing finance options, and the development of priority residential

8 communities for veterans, military service members, and essential workers, and

9 for other purposes.

10

11 IN THE HOUSE OF REPRESENTATIVES

12 [Date Inserted]

13 [Sponsor Inserted] introduced the following bill; which was referred to the

14 Committee on Financial Services, and in addition to the Committees on Natural

15 Resources, Armed Services, Veterans’ Affairs, Oversight and Accountability,

16 Transportation and Infrastructure, and Ways and Means, for a period to be

17 subsequently determined by the Speaker, in each case for consideration of such

18 provisions as fall within the jurisdiction of the committee concerned.

19

20 A BILL

21

22 Be it enacted by the Senate and House of Representatives of the United States

23 of America in Congress assembled,

24

25 SEC. 0. TABLE OF CONTENTS.

26 The table of contents for this Act is as follows:

27 Sec. 1. Short title.

28 Sec. 2. Findings and purpose.

29 Sec. 3. Definitions.

30 Sec. 4. American Dream Land Allocation Program.

31 Sec. 5. Lot election and cash equivalent.

32 Sec. 6. HUD-backed residential construction loans.

33 Sec. 7. Hero Village priority communities.

34 Sec. 8. Environmental and zoning compliance.

35 Sec. 9. Administration, reporting, and oversight.

36 Sec. 10. Severability.

37 Sec. 11. Effective date.

38 Sec. 12. Hero Village Implementation Appendix.

39

40 SEC. 1. SHORT TITLE.

41 This Act may be cited as the “Housing Care Act of 2025”.

42

43 SEC. 2. FINDINGS AND PURPOSE.

44 (a) Findings. - Congress finds the following:

45 (1) The United States government holds approximately 640 million acres of

46 federally managed land, portions of which may be responsibly allocated

47 for residential development without impairing environmental,

48 agricultural, conservation, military, or cultural uses.

49 (2) Housing affordability has declined nationwide due to limited supply,

50 rising land values, and barriers to ownership for low- and

51 middle-income households.

52 (3) Veterans, active-duty service members, and essential workers frequently

53 reside at substantial distance from the communities in which they

54 serve due to lack of attainable housing.

55 (4) Responsible release of select federal land for residential use, when

56 paired with fair financing mechanisms, can expand homeownership,

57 promote community stability, and stimulate national economic growth.

58

59 (b) Purpose. - The purpose of this Act is to expand access to affordable

60 housing, facilitate homeownership opportunities for eligible taxpayers, and

61 support the establishment of sustainable residential communities for qualifying

62 public service populations.

63

64 SEC. 3. DEFINITIONS.

65 In this Act:

66 (1) ELIGIBLE TAXPAYER. - The term “Eligible Taxpayer” means any individual

67 who filed a federal individual income tax return for the 2023 tax year

68 and holds a unique valid Social Security number.

69 (2) HERO VILLAGE ELIGIBLE INDIVIDUAL. - The term “Hero Village Eligible

70 Individual” means a veteran, an active-duty member of the Armed Forces,

71 or an essential worker as defined by the Secretary of Labor based on the

72 Bureau of Labor Statistics 2019 essential workforce classification.

73 (3) SECRETARY. - The term “Secretary” means the Secretary of Housing and

74 Urban Development.

75 (4) LOT. - The term “Lot” means a residential parcel of approximately 3,500

76 square feet allocated for residential construction under this Act.

77

78 SEC. 4. AMERICAN DREAM LAND ALLOCATION PROGRAM.

79 (a) Establishment. - There is established within the Department of Housing and

80 Urban Development a residential land allocation program to distribute Lots to

81 Eligible Taxpayers through a randomized selection procedure.

82

83 (b) Source of Land. - Lots shall be drawn from federally controlled land under

84 the jurisdiction of the Bureau of Land Management, the United States Forest

85 Service, the United States Fish and Wildlife Service, and the Department of

86 Defense, provided that such land is not designated for protected, operational,

87 environmentally sensitive, or otherwise restricted use.

88

89 (c) Geographic Allocation. - Lots shall be assigned based on the Eligible

90 Taxpayer’s state or territory of residence as recorded on the taxpayer’s 2023

91 federal income tax return.

92

93 SEC. 5. LOT ELECTION AND CASH EQUIVALENT.

94 (a) Election Period. - Upon notification, the Eligible Taxpayer shall have 30

95 days to elect to:

96 (1) accept the Lot; or

97 (2) receive the appraised cash equivalent of the Lot.

98

99 (b) Default. - If no election is made within the 30-day period, the Eligible

100 Taxpayer shall receive the appraised cash equivalent.

101

102 (c) Transfer. - An Eligible Taxpayer may transfer the Lot or cash equivalent to

103 a dependent child or legal heir without penalty.

104

105 SEC. 6. HUD-BACKED RESIDENTIAL CONSTRUCTION LOANS.

106 (a) Loan Program. - The Secretary shall establish a loan program for Eligible

107 Taxpayers who elect to accept a Lot for the purpose of constructing a primary

108 residence on such Lot.

109

110 (b) Terms. - Loans issued under this section shall:

111 (1) require no down payment;

112 (2) carry an interest rate of 3 percent; and

113 (3) not exceed $250,000 in principal.

114

115 SEC. 7. HERO VILLAGE PRIORITY COMMUNITIES.

116 (a) Designation. - The Secretary shall designate development zones for priority

117 residential communities, to be known as Hero Villages, in proximity to essential

118 employment, veteran services, and military installations.

119

120 (b) Priority Access. - Hero Village Eligible Individuals shall have priority in

121 Lot selection within designated Hero Village areas.

122

123 (c) Minimum Ownership Period. - Lots allocated within Hero Villages shall be

124 subject to a minimum ownership period of five years before eligible for transfer

125 or sale.

126

127 SEC. 8. ENVIRONMENTAL AND ZONING COMPLIANCE.

128 All Lots and residential developments under this Act shall comply with all

129 applicable federal, state, and local environmental, land use, and zoning laws.

130

131 SEC. 9. ADMINISTRATION, REPORTING, AND OVERSIGHT.

132 (a) Administration. - The Secretary shall administer all provisions of this Act.

133

134 (b) Reporting. - The Secretary shall submit an annual report to Congress

135 detailing program implementation, allocation data, and housing outcomes.

136

137 (c) Oversight. - The Secretary shall establish procedures to prevent fraud and

138 ensure equitable administration of the program.

139

140 SEC. 10. SEVERABILITY.

141 If any provision of this Act is held unconstitutional or otherwise invalid, the

142 remainder of this Act shall not be affected and shall continue in full force.

143

144 SEC. 11. EFFECTIVE DATE.

145 This Act shall take effect upon enactment.

146

147 SEC. 12. HERO VILLAGE IMPLEMENTATION APPENDIX.

148 (a) Purpose. - The purpose of this section is to establish standards and

149 procedures governing the identification, planning, development, and occupancy

150 of Hero Village residential communities created under section 7.

151

152 (b) Site Selection Criteria. - The Secretary, in consultation with the Secretary

153 of Defense, the Secretary of Veterans Affairs, the Secretary of the Interior,

154 and relevant state and local authorities, shall designate eligible development

155 areas for Hero Village communities based on the following criteria:

156 (1) Proximity to metropolitan or regional employment centers.

157 (2) Reasonable access to transportation corridors and existing public

158 infrastructure.

159 (3) Suitability for residential construction as determined by soil,

160 topographical, environmental, and hazard assessments.

161 (4) Absence of conflicting federal operational or conservation priorities.

162 (5) Capacity to support community-scale housing units and shared-use

163 facilities.

164

165 (c) Development Plan Requirements. - For each designated Hero Village, the

166 Secretary shall prepare a Development Plan that includes:

167 (1) Projected number of Lots available for allocation.

168 (2) Required public infrastructure, including roads, utilities, waste

169 management, and water supply.

170 (3) Access to essential services, including emergency response, health

171 care, and education.

172 (4) Parcel layout plans consistent with applicable building codes.

173 (5) A phased construction timeline.

174

175 (d) Eligibility Verification. - Prior to allocation of a Lot in a Hero Village,

176 the Secretary shall verify the applicant’s status as a Hero Village Eligible

177 Individual under section 3(2).

178

179 (e) Infrastructure Coordination. - The Secretary shall coordinate with state and

180 local governments and service providers to ensure essential infrastructure is

181 available to support occupancy.

182

183 (f) Environmental and Resilience Standards. - Development under this section

184 shall include hazard mitigation, water efficiency planning, and sustainability

185 standards consistent with LEED or equivalent certification.

186

187 (g) Minimum Ownership Enforcement. - The five-year minimum ownership requirement

188 shall be recorded in the title instrument conveyed for each Lot within a Hero

189 Village.

190

191 (h) Title Issuance and Recordation. - The Secretary may utilize secure digital

192 verification systems to record title issuance and transfer.

193

194 (i) Reporting. - The Secretary shall include progress on Hero Village development

195 in the annual report submitted under section 9(b).

HOUSING CARE ACT OF 2025 (H.R. XXXX)

Sponsor: TBD

Committee of Jurisdiction: Financial Services (Primary)

Purpose:
Expands access to homeownership for working Americans by allocating designated federal land for residential use, providing affordable construction financing, and establishing priority housing communities for veterans, active-duty service members, and essential workers.

Key Points:
• Establishes the American Dream Land Allocation Program, administered by HUD.
• Eligible taxpayers may receive a residential lot or take the appraised cash equivalent.
• HUD provides 0% down, 3% fixed-rate home construction loans, up to $250,000, for building a primary residence.
• Creates Hero Villages near employment centers, with priority access for:
– Veterans
– Active-duty service members
– Essential workers
• Hero Village lots include a 5-year minimum ownership requirement, preventing speculative flipping.
• Requires full compliance with state/local zoning and federal environmental standards.
• HUD must submit annual oversight, performance, and equity reports to Congress.

Expected Impacts:
• Expands attainable housing supply at scale.
• Strengthens regional labor stability by enabling workers to live near where they serve.
• Supports veteran and military family housing access.
• Stimulates local economies through home construction and long-term residency stability.

Effective Date:
Upon enactment.

HOUSING CARE ACT OF 2025

Delivering Affordable Housing and Renewing the American Dream

The Housing Care Act of 2025 is a national initiative to make homeownership achievable again for working Americans. By responsibly utilizing select federally-managed land and providing affordable home construction financing, this Act helps families build long-term stability and strengthens communities across the country.

The Act prioritizes those who serve our communities and our country. Veterans, active-duty service members, and essential workers will receive priority access to new Hero Village neighborhoods located near bases, hospitals, schools, emergency response hubs, and municipal service centers.

This legislation is designed to expand housing supply, reduce financial barriers to homeownership, and support strong, stable communities where families can live, work, and thrive.

Key benefits:
• Residential lots available to eligible taxpayers
• Option to take the land or receive its fair market cash value
• 0% down, 3% fixed-rate HUD construction loans up to $250,000
• Priority residential communities for service populations
• Safeguards to prevent exploitation and speculation

The Housing Care Act is a practical, bipartisan approach to increasing affordable housing and renewing access to the American Dream.

DRAFT FLOOR REMARKS FOR SPONSOR

"Mr./Madam Speaker, today I rise to introduce the Housing Care Act of 2025, legislation that restores a promise at the heart of our national identity: that hard work should be enough to secure a home, a community, and a future.

For too many Americans, homeownership has moved out of reach. Prices have risen faster than wages, supply has failed to keep pace, and the people we depend on - our nurses, our firefighters, our teachers, our veterans, and our servicemembers - are being priced out of the very communities they serve.

This bill provides a practical and responsible solution. By identifying underutilized federal land suitable for residential development and pairing it with affordable construction financing, we open the door for millions of families to build stable homes. And through the creation of Hero Villages near major employment and service hubs, we ensure that those who serve our communities have the opportunity to live in them.

This legislation strengthens families. It strengthens local economies. And it strengthens the American Dream itself.

I urge my colleagues on both sides of the aisle to join me in advancing the Housing Care Act of 2025, and I yield back the balance of my time."

Housing Care Act of 2025 (H.R. XXXX)
 

Key Lines to Use in Interviews & Live Q&A

Core Message (Keep this at the top of every answer):
This bill makes homeownership realistic again for working Americans by expanding available housing and providing affordable pathways to build a home.

• Uses carefully selected federally managed land to increase the supply of housing near where people work.
• Allows eligible taxpayers to receive either:
- A residential lot, or
- The appraised cash equivalent.
• Provides 0% down, 3% fixed HUD construction loans, up to $250,000, to build a primary home.
• Creates Hero Village communities with priority for:
- Veterans
- Active-duty military
- Essential workers (healthcare, education, public safety, utility & service roles).

• Housing costs are rising faster than wages.
• Workers are being priced out of the communities they serve.
• Veterans and military families face housing instability near bases and training hubs.
• Expanding housing supply reduces prices without raising taxes.

• Strengthens local labor forces by improving proximity between workers and employers.
• Encourages long-term community stability through a 5-year minimum ownership requirement in Hero Villages.
• Stimulates local building trades, suppliers, service providers, and small businesses.

• HUD manages allocation, loans, verification, and compliance.
• Full environmental and zoning compliance is required.
• Annual reports to Congress track progress, outcomes, and accountability.

Key response:
The bill does not raise taxes.
It reallocates already federally managed land where appropriate and uses existing HUD loan programs structured to be repaid.

• Must be a U.S. taxpayer with a valid Social Security number.
• Hero Village priority applies only to verified veterans, active-duty service members, and essential workers.

This legislation restores a fair shot at homeownership. It expands opportunity, supports those who serve our communities, and strengthens families and local economies across the United States.