Federal mortgage insurance now covers home access upgrades
H.R. 10572 — Home Accessibility Improvements Inclusion Act · Filed by Michael Lawler (R-NY) · Introduced Sep 24, 2026 · Referred to committee
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What it does
This bill expands a federal mortgage program. The program now pays for home access upgrades. These upgrades include zero-step entries, wider doors, accessible bathrooms, and grab bars. HUD must update its guidance and train appraisers. HUD must report to Congress within one year.
Who it affects
Homeowners and people with disabilities can use federal mortgage insurance for access upgrades. This reduces money they pay out of pocket.
One thing to notice
The bill expands what counts as a home repair. It does not explain how people will settle disagreements about whether an upgrade meets the standard.
From the analysis of the bill text, linked under Primary records below.
Where it stands
- Sep 24, 2026 — Introduced · Congress.gov: “Introduced in House”
- Sep 24, 2026 — Referred to House Committee on Financial Services · Congress.gov: “Referred to the House Committee on Financial Services”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Words to know
- access upgrades — Changes to a home that make it easier for people with disabilities or older adults to use.
- HUD — The federal Department of Housing and Urban Development, which runs housing programs.
- appraisers — People who estimate how much a home or home improvement is worth.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (1,218 characters) on Sep 28, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 16,222 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
As of — page rendered 2026-10-20.
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