S T A T E O F N E W Y O R K
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5655
2025-2026 Regular Sessions
I N A S S E M B L Y
February 19, 2025
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Introduced by M. of A. BARRETT, WOERNER, SANTABARBARA, EACHUS -- read
once and referred to the Committee on Housing
AN ACT to amend the private housing finance law, in relation to the
mobile and manufactured home replacement program
THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
BLY, DO ENACT AS FOLLOWS:
Section 1. The private housing finance law is amended by adding a new
article 33 to read as follows:
ARTICLE XXXIII
MOBILE AND MANUFACTURED HOME REPLACEMENT PROGRAM
SECTION 1300. STATEMENT OF LEGISLATIVE FINDINGS AND PURPOSE.
1301. DEFINITIONS.
1302. MOBILE AND MANUFACTURED HOME REPLACEMENT CONTRACTS.
§ 1300. STATEMENT OF LEGISLATIVE FINDINGS AND PURPOSE. THE LEGISLATURE
HEREBY FINDS AND DECLARES THAT THERE EXISTS IN NEW YORK STATE A SERIOUS
NEED TO ELIMINATE OLDER, DILAPIDATED MOBILE AND MANUFACTURED HOMES AND
REPLACE THEM WITH NEW MANUFACTURED, MODULAR OR SITE-BUILT HOMES. OLDER
MOBILE OR MANUFACTURED HOME UNITS WITH RUSTED, LEAKING METAL ROOFS,
METAL-FRAMED WINDOWS WITH INTERIOR TAKE-OUT STORMS, AND METAL SIDING,
ARE JUST SOME OF THE EXAMPLES OF THOSE THAT MOST NEED REPLACEMENT. NO
MATTER THE AMOUNT OF REHABILITATION INVESTMENT, THE END RESULT IS UNSAT-
ISFACTORY IN TERMS OF LONGEVITY, ENERGY EFFICIENCY AND AFFORDABILITY.
THE LEGISLATURE THEREFORE FINDS THAT THE STATE SHOULD ESTABLISH A
PROGRAM TO FUND THE REPLACEMENT OF MOBILE OR MANUFACTURED HOMES WITH NEW
AFFORDABLE AND ENERGY EFFICIENT MANUFACTURED, MODULAR OR SITE-BUILT
HOMES.
§ 1301. DEFINITIONS. FOR THE PURPOSES OF THIS ARTICLE THE FOLLOWING
TERMS SHALL HAVE THE FOLLOWING MEANINGS:
1. "CORPORATION" SHALL MEAN THE HOUSING TRUST FUND CORPORATION ESTAB-
LISHED IN SECTION FORTY-FIVE-A OF THIS CHAPTER.
EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD07074-01-5
A. 5655 2
2. "DILAPIDATED" SHALL MEAN A HOUSING UNIT THAT DOES NOT PROVIDE SAFE
AND ADEQUATE SHELTER, AND IN ITS PRESENT CONDITION ENDANGERS THE HEALTH,
SAFETY OR WELL-BEING OF THE OCCUPANTS. SUCH A HOUSING UNIT SHALL HAVE
ONE OR MORE CRITICAL DEFECTS, OR A COMBINATION OF INTERMEDIATE DEFECTS
IN SUFFICIENT NUMBER OR EXTENT TO REQUIRE CONSIDERABLE REPAIR OR
REBUILDING. SUCH DEFECTS MAY INVOLVE ORIGINAL CONSTRUCTION, OR THEY MAY
RESULT FROM CONTINUED NEGLECT OR LACK OF REPAIR OR FROM SERIOUS DAMAGE
TO THE STRUCTURE.
3. "ELIGIBLE APPLICANT" SHALL MEAN A UNIT OF LOCAL GOVERNMENT OR A
NOT-FOR-PROFIT CORPORATION IN EXISTENCE FOR A PERIOD OF ONE OR MORE
YEARS PRIOR TO APPLICATION, WHICH IS, OR WILL BE AT THE TIME OF AWARD,
INCORPORATED UNDER THE NOT-FOR-PROFIT CORPORATION LAW AND HAS SUBSTAN-
TIAL EXPERIENCE IN AFFORDABLE HOUSING.
4. "ELIGIBLE PROPERTY" SHALL MEAN A MOBILE OR MANUFACTURED HOME THAT
IS THE PRIMARY RESIDENCE OF A HOMEOWNER WITH A TOTAL HOUSEHOLD INCOME
THAT DOES NOT EXCEED EIGHTY PERCENT OF AREA MEDIAN INCOME FOR THE COUNTY
IN WHICH A PROJECT IS LOCATED AS CALCULATED BY THE UNITED STATES DEPART-
MENT OF HOUSING AND URBAN DEVELOPMENT.
5. "MANUFACTURED HOME" SHALL HAVE THE SAME MEANING AS IS SET FORTH FOR
SUCH TERM IN SUBDIVISION SEVEN OF SECTION SIX HUNDRED ONE OF THE EXECU-
TIVE LAW.
6. "MOBILE AND MANUFACTURED HOME REPLACEMENT PROGRAM" OR "PROGRAM"
SHALL MEAN A PROPOSAL BY AN ELIGIBLE APPLICANT FOR THE REPLACEMENT OF A
DILAPIDATED MOBILE OR MANUFACTURED HOME WITH A NEW MANUFACTURED, MODULAR
OR SITE-BUILT HOME. ALL REPLACEMENT HOMES SHALL BE ENERGY STAR RATED FOR
ENERGY EFFICIENCY.
7. "MODULAR HOME" SHALL HAVE THE SAME MEANING AS IS SET FORTH FOR SUCH
TERM IN PARAGRAPH THIRTY-THREE OF SUBDIVISION (B) OF SECTION ELEVEN
HUNDRED ONE OF THE TAX LAW.
8. "SITE-BUILT HOME" SHALL MEAN A STRUCTURE BUILT ON-SITE USING BUILD-
ING MATERIALS DELIVERED TO THE SITE, EVEN IF SOME OF SUCH MATERIALS WERE
MANUFACTURED, PRODUCED OR ASSEMBLED OFF-SITE SUCH AS, BY WAY OF EXAMPLE
AND NOT BY WAY OF LIMITATION, CONCRETE BLOCKS, WINDOWS, DOOR UNITS, WALL
OR ROOF PANELS, TRUSSES AND DORMERS.
§ 1302. MOBILE AND MANUFACTURED HOME REPLACEMENT CONTRACTS. 1. GRANTS.
WITHIN THE LIMIT OF FUNDS AVAILABLE IN THE MOBILE AND MANUFACTURED HOME
REPLACEMENT PROGRAM, THE CORPORATION IS HEREBY AUTHORIZED TO ENTER INTO
CONTRACTS WITH ELIGIBLE APPLICANTS TO PROVIDE GRANTS, WHICH SHALL BE
USED TO ESTABLISH PROGRAMS TO PROVIDE ASSISTANCE TO ELIGIBLE PROPERTY
OWNERS TO REPLACE DILAPIDATED MOBILE OR MANUFACTURED HOMES IN THE STATE.
2. PROGRAM CRITERIA. THE CORPORATION SHALL DEVELOP PROCEDURES, CRITE-
RIA AND REQUIREMENTS RELATED TO THE APPLICATION AND AWARD OF PROJECTS
PURSUANT TO THIS SECTION WHICH SHALL INCLUDE: ELIGIBILITY, MARKET
DEMAND, FEASIBILITY AND FUNDING CRITERIA; THE FUNDING DETERMINATION
PROCESS; SUPERVISION AND EVALUATION OF CONTRACTING APPLICANTS; REPORT-
ING, BUDGETING AND RECORD-KEEPING REQUIREMENTS; PROVISIONS FOR MODIFICA-
TION AND TERMINATION OF CONTRACTS; AND SUCH OTHER MATTERS NOT INCONSIST-
ENT WITH THE PURPOSES AND PROVISIONS OF THIS ARTICLE AS THE CORPORATION
SHALL DEEM NECESSARY OR APPROPRIATE.
3. CONTRACT LIMITATIONS. THE TOTAL CONTRACT PURSUANT TO ANY ONE ELIGI-
BLE APPLICANT IN A SPECIFIED REGION SHALL NOT EXCEED SEVEN HUNDRED FIFTY
THOUSAND DOLLARS AND THE CONTRACT SHALL PROVIDE FOR COMPLETION OF THE
PROGRAM WITHIN A REASONABLE PERIOD, AS SPECIFIED THEREIN, WHICH SHALL
NOT IN ANY EVENT EXCEED FOUR YEARS FROM COMMENCEMENT OF THE PROGRAM.
UPON REQUEST, THE CORPORATION MAY EXTEND THE TERM OF THE CONTRACT FOR UP
A. 5655 3
TO AN ADDITIONAL ONE YEAR PERIOD FOR GOOD CAUSE SHOWN BY THE ELIGIBLE
APPLICANT.
4. PLANNING AND ADMINISTRATIVE COSTS. THE CORPORATION SHALL AUTHORIZE
THE ELIGIBLE APPLICANT TO SPEND TEN PERCENT OF THE CONTRACT AMOUNT FOR
APPROVED PLANNING AND ADMINISTRATIVE COSTS ASSOCIATED WITH ADMINISTERING
THE PROGRAM.
5. THE CORPORATION SHALL REQUIRE THAT, IN ORDER TO RECEIVE A GRANT
PURSUANT TO THIS ARTICLE, THE ELIGIBLE PROPERTY OWNER SHALL HAVE NO
LIENS ON THE LAND AFTER CLOSING THE GRANT OTHER THAN THE NEW HOME
FINANCING AND CURRENTLY EXISTING MORTGAGE OR MORTGAGES, AND ALL PROPERTY
TAXES AND INSURANCES MUST BE CURRENT.
6. ASSISTANCE. FINANCIAL ASSISTANCE TO ELIGIBLE PROPERTY OWNERS SHALL
BE ONE HUNDRED PERCENT GRANTS IN THE FORM OF DEFERRED PAYMENT LOANS
(HEREINAFTER REFERRED TO IN THIS SUBDIVISION AS "DPL"). A TEN YEAR
DECLINING BALANCE LIEN USING A SECURITY INSTRUMENT AS REQUIRED BY THE
CORPORATION, WILL BE UTILIZED FOR REPLACEMENT PROJECTS. NO INTEREST OR
PAYMENTS WILL BE REQUIRED ON THE DPL UNLESS THE PROPERTY IS SOLD OR
TRANSFERRED BEFORE THE REGULATORY TERM EXPIRES. IN SUCH CASES FUNDS WILL
BE RECAPTURED FROM THE PROCEEDS OF THE SALE OF THE HOME, ON A DECLINING
BALANCE BASIS, UNLESS AN INCOME-ELIGIBLE IMMEDIATE FAMILY MEMBER ACCEPTS
OWNERSHIP OF, AND RESIDES IN THE NEW REPLACEMENT HOME FOR THE REMAINDER
OF THE REGULATORY TERM. IN ADDITION THE MOBILE AND MANUFACTURED HOME
REPLACEMENT PROGRAM ESTABLISHED BY THIS ARTICLE SHALL: (A) PROVIDE FUNDS
FOR RELOCATION ASSISTANCE TO HOMEOWNERS WHO ARE UNABLE TO VOLUNTARILY
RELOCATE DURING THE DEMOLITION AND CONSTRUCTION PHASES OF THE PROJECT;
AND (B) PROVIDE FUNDING FOR THE COSTS OF DEMOLISHING AND DISPOSING OF
THE DILAPIDATED HOME.
7. HOMEOWNERSHIP TRAINING. THE ELIGIBLE PROPERTY OWNER MUST AGREE TO
ATTEND AN APPROVED HOMEOWNERSHIP TRAINING PROGRAM FOR POST-PURCHASE,
CREDIT/BUDGET, AND HOME MAINTENANCE COUNSELING AS PART OF THE APPLICA-
TION PROCESS.
8. FUNDING CRITERIA. THE TOTAL PAYMENT PURSUANT TO ANY ONE GRANT
CONTRACT SHALL NOT EXCEED TWO HUNDRED THOUSAND DOLLARS AND THE CONTRACT
SHALL PROVIDE FOR COMPLETION OF THE PROGRAM WITHIN A REASONABLE PERIOD,
AS SPECIFIED THEREIN, NOT TO EXCEED FOUR YEARS.
9. FUNDING AND ANNUAL REPORT. THE CORPORATION IN ITS SOLE DISCRETION
SHALL AUTHORIZE ALL FUNDING DECISIONS AND MAKE ALL AWARD ANNOUNCEMENTS.
THE CORPORATION SHALL, ON OR BEFORE DECEMBER THIRTY-FIRST IN EACH YEAR
SUBMIT A REPORT TO THE LEGISLATURE ON THE IMPLEMENTATION OF THIS ARTI-
CLE. SUCH REPORT SHALL INCLUDE, BUT NOT BE LIMITED TO, FOR EACH AWARD
MADE TO A GRANTEE UNDER THIS ARTICLE: A DESCRIPTION OF SUCH AWARD;
CONTRACT AMOUNT AND CUMULATIVE TOTAL; AND SUCH OTHER INFORMATION AS THE
CORPORATION DEEMS PERTINENT.
§ 2. This act shall take effect immediately.