Urban and Rural Disease Prevention and Health Promotion Act of 2005 - Authorizes the Secretary of Housing and Urban Development to make matching grants and loans to state and local government agencies and community development public authorities for the development of indoor centers for disease prevention and health promotion that are: (1) used principally as indoor recreational facilities; (2) owned or controlled by the entity receiving the grant; (3) available for use by residents of the jurisdiction free of charge or at a fee necessary to provide for the operation and maintenance of the facility; and (4) subject to legally binding and enforceable commitments as to the availability of the facility for 25 years.