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The Lasting Home Affordability Act of 2024 requires the Secretary of the Treasury to establish a pilot program providing grants to state agencies and housing authorities, which would then issue low-interest construction loans (capped at 3% interest and 1% origination fees) to eligible entities for building or rehabilitating affordable housing. Eligible entities—including states, local governments, nonprofits, and community land trusts—must use the loans for construction costs and must sell resulting properties only to households earning up to 120% of area median income, with affordability restrictions lasting 30 years. The bill authorizes $100 million in appropriations for fiscal year 2025.
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