HELPER Act of 2025
Congress Proposes FHA-Backed No-Down-Payment Mortgages for First Responders and Teachers
Stalled
No legislative action in over 90 days.
Legislative Progress
Key Points
- Creates a new FHA-backed mortgage insurance program for first-time homebuyers who are first responders, including police, firefighters, EMTs/paramedics, and full-time pre-K–12 teachers.
- Lets eligible buyers finance up to 100% of a home’s appraised value, meaning no cash down payment is required if they qualify.
- Changes the FHA fee setup for this program: an up-front insurance premium can be charged, but there would be no monthly mortgage insurance premium.
- Sets eligibility rules: housing counseling is required, the person must have recent first responder work history (or a duty-related disability), and must plan to stay in the job at least 1 year after closing.
- Provides federal funding to run the program and ends the ability to start new insured loans 5 years after the program first becomes available unless Congress extends it.
Impact Analysis
Personal Impact
How this policy affects specific groups of people
Milestones
Referred to the House Committee on Financial Services.
Introduced in House
The bill was officially filed and given a number. It now enters the legislative queue.
Votes
No votes have been recorded for this legislation yet.
Related News
2 articles
How the HELPER Act could put homeownership within reach for first responders
Explains H.R. 2094’s proposed FHA-backed $0-down, no-monthly-MIP mortgage option for qualifying first responders and teachers, and summarizes eligibility rules and policy rationale.
Moody, Ossoff Introduce Loan Program Bill for First Responders, Teachers
Covers introduction of the HELPER Act of 2025 and frames it as a new FHA loan/insurance program intended to reduce upfront costs for first responders and teachers.
Source Information
Document Type
Congressional Bill
Official Title
HELPER Act of 2025
Data Sources
Sponsor
Cosponsors
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