A landmark piece of housing legislation is on the move through Congress. The Renewing Opportunity in the American Dream to Housing Act of 2025, also known as the ROAD to Housing Act, passed the full Senate on Friday, Oct. 9, as part of its version of the National Defense Authorization Act (NDAA).
The bipartisan legislation initially passed out of the Senate Committee on Banking, Housing and Urban Affairs in July 2025, garnering unanimous support from the committee.
The National Association of REALTORS® has highlighted several major policy changes in the bill, including:
- Building More Homes and Cutting Red Tape: Helps communities overcome zoning and other barriers, streamlines environmental reviews for housing projects, and creates grants for communities that build more homes.
- Opening Doors to Homeownership: Removes barriers that make it harder to get smaller mortgages, improves the home appraisal process, helps families save for homes, and ensures veterans know about their home loan benefits.
- Supporting Housing Innovation: Updates rules and financing for manufactured and modular homes and encourages new building technologies that make housing more affordable.
- Helping Communities Recover from Disasters: Permanently authorizes disaster recovery efforts to help communities rebuild while incorporating resilience measures to reduce repetitive losses and maintain insurability.
“NAR applauds the Senate for passing this bipartisan legislation that addresses housing supply, affordability and homeownership pathways. At a time when homeownership increasingly feels out of reach, this legislation offers meaningful, pragmatic solutions to restore opportunity for millions of American families,” says NAR executive vice president and chief advocacy officer Shannon McGahn.
“We commend Chair Sen. Tim Scott and Ranking Member Sen. Elizabeth Warren for their bipartisan leadership on this critical issue. We look forward to working with Congress and the administration to enact this vital legislation and help preserve the American dream of homeownership for future generations.”
With the Senate passage of the NDAA, the ROAD to Housing Act will now be considered as part of the House version of the NDAA.
