The record

LegislationLegislation· Jul 2025
HR 1815 Signed into law

Sponsored by Derrick Van Orden (R)

VA Home Loan Program Reform Act

Lets VA prevent foreclosures on veteran home loans and expands homeless veteran housing assistance.

Tradeoff

Authorizes VA to pay lenders to prevent foreclosure of veteran home loans, requiring VA to obtain a secured interest in the property. Temporarily increases funding for veteran homelessness programs by $344 million annually for –.

What's in it

See official bill text

Reduces net direct spending by $147 million over 2025-2035, but increases spending by $146 million over the same period, for a net deficit reduction of $1 million over 11 years.

The bill creates two VA programs: one that temporarily expands grant funding for homeless veteran housing (requiring $146 million in over two years), and another that pays lenders to prevent foreclosure on veteran home loans (which produces net savings in direct spending but requires upfront administrative and claim costs).

H.R. 1815, VA Home Loan Program Reform Act · May 2025

Passed the House by on May 19, 2025. Passed the Senate by on July 15, 2025. Signed into law on July 30, 2025.

  1. House

    Introduced

    (Mar 3, 2025)

  2. House

    Committee on Veterans' Affairs(Mar 3, 2025)

  3. House

    Passage of the bill

    Passed by (May 19, 2025)

    No individual votes were recorded.

  4. House

    The Committee on Veterans' Affairs voted to send it to the floor

    Reported(May 19, 2025)

    Committee report H. Rept. 119-104.

  5. Senate

    Received from the House

    on Veterans' Affairs(May 20, 2025)

  6. Senate

    Passage of the bill

    Passed by (Jul 15, 2025)

    No individual votes were recorded.

  7. Senate

    Taken away from the Committee on Veterans' Affairs

    Discharged(Jul 15, 2025)

  8. House

    Sent to the President

    (Jul 18, 2025)

  9. White House · Signature

    Signed

    Donald Trump (R)

  10. Enacted

    Became law(Jul 30, 2025)