The Whole-Home Repairs Act of 2025 mandates the Secretary of Housing and Urban Development to establish a pilot program for whole-home repairs. This program will provide grants to implementing organizations , which are typically local governments or qualified nonprofits, to administer repair services. The goal is to address critical needs such as physical and sensory accessibility , habitability and safety concerns, and energy and water efficiency in residential units. The program targets eligible homeowners with incomes at or below 80 percent of the area median income, or those receiving assistance from specified federal programs. It also serves eligible landlords who own fewer than 10 rental properties, with a majority being affordable units . Implementing organizations will provide grants to homeowners and may offer forgivable loans to landlords for repairs not covered by other federal programs, with maximum amounts determined by the Secretary. Landlords receiving loans must agree to specific provisions, including compliance with federal accessibility requirements. They must also maintain the unit as an affordable unit for at least three years, extend current tenant leases, and cap annual rent increases at 5 percent or inflation, whichever is lower. Implementing organizations are required to coordinate with other federal, state, and local home repair programs to maximize benefits and avoid duplication of services. Up to 5 percent of awarded funds can be used for workforce training related to home repair professions, and up to 10 percent for administrative expenses. The Secretary will prioritize applications demonstrating plans to serve diverse geographies, including rural and Tribal settings, and will streamline application and income verification processes. Implementing organizations must submit annual reports detailing units served, costs, demographics, and measures to prevent waste, fraud, and abuse. The Secretary is authorized to use up to $30,000,000 from existing HUD appropriations to fund this pilot program. The Office of Inspector General will conduct assessments of the program's implementation to ensure fair and legitimate use of funds. The pilot program is scheduled to terminate on October 1, 2031 .