The "Renewing Opportunity in the American Dream to Housing Act of 2025" aims to significantly increase the supply of affordable housing in the United States. It proposes a multi-faceted approach, including streamlining regulatory barriers at federal, state, and local levels to accelerate housing development. The bill also seeks to modernize existing federal housing programs and improve access to homeownership and rental assistance. To encourage more construction, the legislation introduces the Housing Supply Frameworks Act , requiring HUD to publish guidelines for state and local zoning reforms that promote housing density and diverse housing types. It also creates an Innovation Fund and the Build Now Act to award grants and adjust Community Development Block Grant allocations for localities demonstrating housing supply growth. Furthermore, the Build More Housing Near Transit Act incentivizes pro-housing policies near public transportation. Recognizing the potential of alternative housing solutions, the bill expands the definition of manufactured homes to include those without permanent chassis, requiring states to treat them equally in regulations. The Modular Housing Production Act mandates a review of FHA financing barriers for modular homes and proposes alternative draw schedules. Loan limits for property improvements and manufactured homes are also increased. The bill reauthorizes and improves the HOME Investment Partnerships Program , increasing administrative resources and streamlining affordable housing qualifications. It establishes a Whole-Home Repairs Act pilot program for low-income homeowners and landlords, focusing on accessibility, safety, and energy efficiency. The Rental Assistance Demonstration Program is made permanent, and the RESIDE Act creates a pilot to convert vacant commercial buildings into attainable housing. To improve financial access, the legislation addresses small dollar mortgages by requiring reports on originator compensation and authorizing rulemaking to encourage their availability. It also reforms appraisal industry standards and establishes a consumer right to reconsideration of value. The Reforming Disaster Recovery Act creates a dedicated fund and office within HUD to streamline and improve long-term disaster recovery efforts, emphasizing mitigation and interagency coordination. The legislation includes provisions to support vulnerable populations, such as the Helping More Families Save Act which creates an escrow program for housing assistance recipients to build savings from increased earned income. It also establishes a new Moving to Work cohort for public housing agencies and reforms programs to reduce homelessness . Finally, the bill enhances oversight and accountability for housing regulators, including annual testimony requirements and FHA reporting on financial health.