HB 4051 — Creates a program for deferred loans to first-time home buyers in an amount not greater than the lesser of the closing costs on the purchase or one percent of the purchase price.
Congress · introduced 2026-01-16
Digest: The Act would have loans made to first-time home buyers to offset closing costs. The Act would make the loan plus interest due when the home is sold, the borrower moves out or, if the home is a mobile home, it is moved out of state. The Act would have the program run for three years. (Flesch Readability Score: 88.1). Creates a program for deferred loans to first-time home buyers in an amount not greater than the lesser of the closing costs on the purchase or one percent of the purchase price. Makes the deferred loans repayable when the home changes ownership, is no longer the homestead of the borrower or, if the home is mobile, is moved out of state. Retires the program after three years. Declares an emergency, effective on passage.
Latest action: — In House Committee
Sponsors
- Reschke, E. Werner (R, OR-55) — sponsor
- Drazan, Christine (R, OR-26) — sponsor
- Scharf, Anna (R, OR-23) — cosponsor
- Boice, Court (R, OR-1) — cosponsor
Action timeline
- · state_lower — First reading. Referred to Speaker's desk.
- · state_lower — Referred to Housing and Homelessness with subsequent referral to Revenue.
- · state_lower — Informational Meeting cancelled.
- · state_lower — Informational Meeting held.
- · state_lower — In committee upon adjournment.
Text versions
No text versions on file yet — same ingest as the action timeline populates these. Each version has direct links to the XML / HTML / PDF at govinfo.gov.
Who matters
Members ranked by combined influence on this bill: role (sponsor 5 / cosponsor 1), capped speech count from the Congressional Record, and recorded-vote engagement.
| # | Member | Role | Speeches | Voted | Score |
|---|---|---|---|---|---|
| 1 | Drazan, Christine (R, state_upper OR-26) | sponsor | 0 | — | 5 |
| 2 | Reschke, E. Werner (R, state_lower OR-55) | sponsor | 0 | — | 5 |
| 3 | Boice, Court (R, state_lower OR-1) | cosponsor | 0 | — | 1 |
| 4 | Scharf, Anna (R, state_lower OR-23) | cosponsor | 0 | — | 1 |
Predicted vote
Aggregated from: actual roll-call votes (when present) → sponsor → cosponsor → party median (predicts YES when ≥25% of the caucus sponsored/cosponsored). Each row labels its confidence tier so you can see why a position was predicted.
0 predicted yes (0%) · 543 predicted no (100%) · 0 unknown (0%)
By party: · R: 0 yes / 277 no · D: 0 yes / 263 no · I: 0 yes / 3 no