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HB 604 · 2026 · House · Housing Committee

Loan forgiveness for accessory dwelling units

AI-generated

relative to a loan forgiveness program for low-income homeowners to build new accessory dwelling units or renovate existing structures into accessory dwelling units.

Establishes a conditional loan forgiveness program to help lower-income homeowners construct or renovate accessory dwelling units.AI-generated

Status

Referred to interim study (House) · January 7, 2026
  1. ✓Introduced
  2. ✕House
  3. Senate
  4. Governor
  5. Law

Analysis

This bill establishes a conditional loan forgiveness program to encourage lower-income homeowners to construct or renovate accessory dwelling units.

From the bill's official ANALYSIS section.

In the bill's words

Quoted verbatim from the bill as introduced. Passages chosen from the operative text.Computed by this site

“There is hereby established a conditional loan program to be administered by the New Hampshire housing finance authority which shall provide conditional loans for lower-income homeowners to construct new attached or detached ADUs or renovate existing structures into attached or detached ADUs.”
RSA 204-C:64-a
“Funds for the program and its administration shall come from the affordable housing fund, pursuant to RSA 204-C:57.”
RSA 204-C:64-a
““Lower-income homeowner” means a homeowner with a household income at or below 80 percent of the area median income (AMI) as determined by the U.S.”
RSA 204-C:64-a
“"Affordable housing" means housing for which the rent or mortgage payments do not exceed 30 percent of the occupant's gross monthly income.”
RSA 204-C:64-a

Official record

Bill page — docket & status

gc.nh.gov · the authoritative source

Sponsors

Rep. Jodi NewellDPrime
  • Rep. Alissandra MurrayDClerk· Criminal Justice and Public Safety
  • Rep. Ellen ReadDDeputy Ranking Member· Housing
  • Rep. Hope DamonDDeputy Ranking Member· Education Funding
  • Rep. Carry SpierDDeputy Ranking Member· Commerce and Consumer Affairs
  • Rep. Nicholas GermanaDDeputy Democratic Floor Leader

Also: Rep. Kathy StaubD, Rep. Terri O'RorkeD, Sen. Donovan FentonD, Sen. David WattersD

Public testimony

No one submitted online testimony on this bill. See the record

Votes

yeanay
Starting text: Bill as introduced
  • Sep 23, 2025HouseCommittee report· consent calendarCommittee report: Refer for Interim Study16–0
    Overall
    100% yea
  • Jan 7, 2026HouseVoice voteRefer for Interim Studyadopted

Hearings and debates

  • Jan 28, 2025Public hearingHouse Housing1:02:32–1:03:411m 9slocated in the stream transcriptPublic Hearing
  • Sep 23, 2025Public hearingHouse Housing13:08–14:191m 11slocated in the stream transcriptCommittee Report: Refer for Interim Study; Full Committee Work Session; Executive Session
  • Jan 7, 2026Floor debateHouse floorWatchnot located in the transcript — opens the full streamRefer for Interim Study — adopted, voice vote

Timestamps locate where this bill is taken up in the chamber's YouTube stream.

Legislative history

  1. Jan 9, 2025HouseIntroduced (in recess of) 01/09/2025 and referred to Housing HJ 3 P. 18
  2. Jan 28, 2025HousePublic Hearing: 01/28/2025 10:30 am LOB 305
  3. Feb 10, 2025HouseRetained in Committee
  4. Sep 23, 2025HouseFull Committee Work Session: 09/23/2025 10:00 am GP 231
  5. Sep 23, 2025HouseExecutive Session: 09/23/2025 10:00 am GP 231
  6. Sep 23, 2025House: Refer for Interim Study 09/23/2025 (Vote 16-0; CC) HC 51 P. 12
  7. Jan 7, 2026HouseRefer for Interim Study: MA VV 01/07/2026 HJ 1 P. 73

Coverage

No reporting linked yet.

Documents (PDF)

Bill text & amendments link direct to gc.nh.gov; committee reports stream from the state record.