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H.R. 10944 · Introduced Oct 29, 2026

Homeownership Opportunity Act

What it says it's for

To amend the Internal Revenue Code of 1986 to exclude from gross income certain retirement plan distributions used for a down payment or closing costs for a principal residence, and for other purposes.

Policy area: Taxation

Latest action (Oct 29, 2026): Referred to the House Committee on Ways and Means.

Read it on congress.gov ↗Full text (XML)

Snuck-In Meter

4✨ Clean as a whistle

0 snuck in · 0 maybe · 1 of 2 sections checked

Nothing snuck in 🎉

Every section we checked lines up with the bill's stated purpose. Love to see it.

Every section

  1. Not scoredSec. 1. Short title(Standard boilerplate)
  2. On topicSec. 2. Exclusion from gross income of retirement plan distributions used for a down payment or closing costs for a principal residence

Checked Nov 13, 2026 with Jev.