S. 3905 is about letting people borrow more money to fix up their homes or build small extra houses, like tiny homes, in their yards. It also talks about making sure these rules make sense for everyone and wants someone to check how much these little houses really cost.

The bill is like a big helping hand from the government to make it easier for states to build cool new kinds of houses, like ones put together like puzzles or made with big machines that can print houses. The government is giving money to help with this, but they need to be careful to make sure it's used wisely and fairly.