21st Century ROAD to Housing Act

Expands federal efforts to increase housing supply, lower costs, and improve access to financing. Requires stronger oversight of housing programs and counselors, offers new support for delinquent borrowers, and launches multiple temporary pilot programs for small mortgages, home repairs, temperature monitoring, and savings incentives for assisted households. Raises FHA loan limits, expands rental assistance, and allows more funding to be used for affordable housing construction and infrastructure.

Speeds up housing development by easing environmental reviews for certain projects, promoting preapproved building designs, encouraging zoning reforms, and rewarding cities that add more housing. Allows tribes to conduct environmental reviews and directs federal agencies to align and share housing data. Limits large investor purchases of single-family homes and supports manufactured and modular housing.

Affects homeowners, renters, local governments, lenders, and housing providers through new grants, financing options, and reporting rules. Adds funding for supply-focused grants, increases flexibility for banks and housing agencies, and strengthens tenant protections while expanding eligibility for housing aid.