Congress Proposes FHA-Backed No-Down-Payment Mortgages for First Responders and Teachers
The HELPER Act of 2025 is currently sitting in the House Committee on Financial Services. Nothing has happened with this bill since it was introduced in March 2025, and it is considered stalled. The committee must take action before the bill can move forward, but it has not seen any progress for 15 months.
No action since March 2025
This bill’s path across every version that has carried it.
Reintroduced
Reintroduced from H.R. 3170 (118th), which died when its Congress ended.
H.R. 3170 (118th) →How this policy affects specific groups of people
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.
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.
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.
No votes recorded for this bill yet.
Document Type
Congressional Bill
Official Title
HELPER Act of 2025
Analysis generated by AI. Always verify with official sources.