Congress·In Committee·H.R. 7755

Housing for Our Hometown Heroes Act

Housing: Zero-Down Mortgages for Teachers and First Responders

4 months ago·View on Congress.gov·Read full text

This bill was recently introduced and is currently being reviewed by the House Committee on Financial Services. It is in the early stages of the lawmaking process and is considered active. There are no upcoming votes scheduled at this time.

Legislative Progress

House

Senate

President

Law

Unlikely to pass

This bill only asks for a study rather than making an immediate change to the law. Most bills that start as a study struggle to get passed unless they are added to a larger housing package.

Key Points

This bill asks the government to study a new home loan program. The goal is to see if the government can offer mortgages with no down payment to teachers and first responders who are buying their first home.
The plan would help full-time police officers, firefighters, paramedics, and EMTs. It also includes full-time teachers who work in schools from pre-kindergarten through 12th grade.
The Department of Housing and Urban Development would have six months to write a report. They must look at the costs of the program and how it might affect the government's insurance funds.
The report would also look at how these loans could be paid for using special fees. Officials would talk to the Department of Veterans Affairs to see if they can use ideas from the current zero-down loan program for military veterans.
If the government finds that a zero-down program is not possible, they must suggest other ways to help these workers buy homes.

Impact Analysis

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

Milestones

2 milestones2 actions

Mar 3, 2026House

Referred to the House Committee on Financial Services.

Mar 3, 2026

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.

News

No related news coverage found for this legislation yet.

Source Information

Document Type

Congressional Bill

Official Title

Housing for Our Hometown Heroes Act

Bill NumberHR 7755

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

Analysis generated by AI. Always verify with official sources.