Congress·In Committee·H.R. 6125

Housing Financial Literacy Act of 2025

Mortgage Discounts for First-Time Homebuyers Completing Financial Training

Nov 19, 2025·View on Congress.gov·Read full text

This bill is one vehicle in a longer effort. See the full story across every version.View effort →

StalledNext up: A house committeeNo action in 8 months

The House Committee on Financial Services received this bill on November 19, 2025. It has not moved since that date and remains stalled in the committee process. The committee must decide whether to hold a vote before the bill can move forward.

Legislative Progress

House

No action since November 2025

Senate

President

Law

Could go either way

The bill has support from both parties and addresses high housing costs, but it still needs to move through the committee process and pass both chambers.

How we got here

This bill’s path across every version that has carried it.

Reintroduced
Reintroduced from H.R. 4899 (118th), which died when its Congress ended.
H.R. 4899 (118th) →

Key Points

This bill would lower the cost of monthly mortgage insurance for people buying their first home. To get the discount, buyers must finish a government-approved class on managing money and housing costs.
The discount applies to loans backed by the Federal Housing Administration. Buyers would see their insurance premium drop by 0.25 percent, which can save a significant amount of money over the life of the loan.
To qualify for the lower rate, the homebuyer must complete the training before they sign a contract to buy a house or apply for their mortgage.
The goal is to help more people afford homes while making sure they are prepared for the financial responsibilities of being a homeowner. Research often shows that people who take these classes are less likely to fall behind on payments.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.

Milestones

2 milestones2 actions

Nov 19, 2025House

Referred to the House Committee on Financial Services.

Nov 19, 2025

Introduced in House

The bill was officially filed and given a number. It now enters the legislative queue.

No votes or news coverage recorded for this bill yet.

Source Information

Document Type

Congressional Bill

Official Title

Housing Financial Literacy Act of 2025

Bill NumberHR 6125

Congress119th Congress

ChamberHouse of Representatives

Latest ActionReferred to the House Committee on Financial Services.

Data Sources

Congress.gov

Official legislative information

Read Full Bill Text

Sponsor

Cosponsors

(33)

D: 32R: 1

Analysis generated by AI. Always verify with official sources.