# 119-hr-10524: HELPER Plus Act

119-hr-10524, HELPER Plus Act, is a 119th Congress bill sponsored by Rep. Mackenzie, Ryan [R-PA-7] (R-PA); status introduced; PRIA reads it as touching household money (as of 2026-10-07).

- Canonical: https://policyrisk.com/legislation/119-hr-10524
- As of: 2026-10-07
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-10524
- Congress: 119
- Title: HELPER Plus Act
- Status: introduced
- Introduced: 2026-09-21
- Sponsor: Rep. Mackenzie, Ryan [R-PA-7] (R-PA)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-07

## Summary

**Would create a targeted FHA mortgage-insurance program to let eligible first responders and related frontline workers buy a primary home with no down payment (up to 100% loan-to-value).** - Families and first-time buyers in covered jobs could purchase a 1-family or permanently sited manufactured home as a principal residence with no cash down and financing up to 100% of the appraised value. - Workers: eligibility is limited to first responders, 911 call center operators/dispatchers, child care workers, corrections officers/prison guards, and certain teachers; applicants must be first-time buyers, complete housing counseling, attest to employment, show 4 of the last 5 years in the job (or have an occupation-connected disability), be in good standing, and intend to continue at least 1 year. - Program mechanics: the Secretary would set underwriting and actuarial controls to protect the Mutual Mortgage Insurance Fund, require an up-front insurance premium (which may exceed 3% and be adjusted) and eliminate monthly insurance premiums, and the authority to insure new mortgages would expire five years after insurance first becomes available. *Authorizes $660,000 for fiscal year 2026 and $160,000 each year for fiscal years 2027–2032 to launch the program, with a five-year sunset on new commitments.*

## Provisions PRIA read

- No-down-payment FHA loans for first responders: mixed, high. If enacted, the bill would create an FHA mortgage program for first-time buyers who are first responders, 911 dispatchers, corrections officers, teachers, or child care workers. The Secretary would be able to insure loans up to 100% of appraised value so no cash down payment would be required at cl…

## Related bills

- 119-hr-9086: Foreign Service Modernization Act
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-4317: PBM Reform Act of 2025
- 119-hr-9224: Child Care Modernization Act of 2026
- 119-hr-8615: FLEETS Now Act
- 119-hr-1144: Frederick Douglass Trafficking Victims Prevention and Protection Reauthorization Act of 2025

## Sources
- [119-hr-10524 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10524)

## Related
- [119-hr-9086: Foreign Service Modernization Act](https://policyrisk.com/legislation/119-hr-9086)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-4317: PBM Reform Act of 2025](https://policyrisk.com/legislation/119-hr-4317)
- [119-hr-9224: Child Care Modernization Act of 2026](https://policyrisk.com/legislation/119-hr-9224)
- [119-hr-8615: FLEETS Now Act](https://policyrisk.com/legislation/119-hr-8615)
- [119-hr-1144: Frederick Douglass Trafficking Victims Prevention and Protection Reauthorizatio…](https://policyrisk.com/legislation/119-hr-1144)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-10524 (as of 2026-10-07).