S 978In committeeFinancesenate

HELPER Act of 2025

Introduced Mar 12, 2025 by Sen. Ashley Moody

IntroducedCommitteeFloorCongressLaw

It's waiting on a committee vote to reach the full chamber. Most bills never leave this stage.

Latest action · Mar 12, 2025

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

What it does

This bill establishes a program administered by the Department of Housing and Urban Development to provide mortgage assistance to law enforcement officers, elementary and secondary school teachers, firefighters, or other first responders. Specifically, these individuals may be eligible for a first-time mortgage on a primary family residence with no down payment. Instead, the mortgage is subject to a one-time, up-front mortgage insurance premium.

Summary by the Congressional Research Service.

Roll-call votes

No floor votes yet — it hasn't reached the floor of either chamber.