# 119-hr-2094: HELPER Act of 2025

119-hr-2094, HELPER Act of 2025, is a 119th Congress bill sponsored by Rep. Rutherford, John H. [R-FL-5] (R-FL); status introduced; PRIA reads it as touching household money (as of 2026-10-21).

- Canonical: https://policyrisk.com/legislation/119-hr-2094
- As of: 2026-10-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-2094
- Congress: 119
- Title: HELPER Act of 2025
- Status: introduced
- Introduced: 2025-03-14
- Sponsor: Rep. Rutherford, John H. [R-FL-5] (R-FL)
- Cosponsors: 154
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-21

## Summary

**Creates a dedicated FHA mortgage insurance program to help first responders buy or repair a primary residence.** It would offer a new, risk‑based FHA pathway with up to 100% financing, no required cash down, and no monthly mortgage insurance for qualifying first responders.

## Cosponsors (154)

- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ), 2025-03-14T00:00:00.000Z
- Rep. Garbarino, Andrew R. [R-NY-2] (R-NY), 2025-03-14T00:00:00.000Z
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ), 2025-03-14T00:00:00.000Z
- Rep. Costa, Jim [D-CA-21] (D-CA), 2025-03-24T00:00:00.000Z
- Rep. Valadao, David G. [R-CA-22] (R-CA), 2025-03-24T00:00:00.000Z
- Rep. Evans, Dwight [D-PA-3] (D-PA), 2025-03-24T00:00:00.000Z
- Rep. Keating, William R. [D-MA-9] (D-MA), 2025-03-24T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-03-24T00:00:00.000Z
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2025-03-24T00:00:00.000Z
- Rep. Pettersen, Brittany [D-CO-7] (D-CO), 2025-03-24T00:00:00.000Z
- Rep. Kelly, Mike [R-PA-16] (R-PA), 2025-03-26T00:00:00.000Z
- Rep. Fong, Vince [R-CA-20] (R-CA), 2025-03-31T00:00:00.000Z
- Rep. Sykes, Emilia Strong [D-OH-13] (D-OH), 2025-03-31T00:00:00.000Z
- Rep. Brownley, Julia [D-CA-26] (D-CA), 2025-03-31T00:00:00.000Z
- Rep. Amo, Gabe [D-RI-1] (D-RI), 2025-03-31T00:00:00.000Z
- Rep. Mrvan, Frank J. [D-IN-1] (D-IN), 2025-03-31T00:00:00.000Z
- Rep. Sherrill, Mikie [D-NJ-11] (D-NJ), 2025-03-31T00:00:00.000Z
- Rep. Houlahan, Chrissy [D-PA-6] (D-PA), 2025-03-31T00:00:00.000Z
- Rep. Brown, Shontel M. [D-OH-11] (D-OH), 2025-03-31T00:00:00.000Z
- Rep. Salinas, Andrea [D-OR-6] (D-OR), 2025-03-31T00:00:00.000Z
- Rep. Tonko, Paul [D-NY-20] (D-NY), 2025-03-31T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2025-03-31T00:00:00.000Z
- Rep. Gimenez, Carlos A. [R-FL-28] (R-FL), 2025-03-31T00:00:00.000Z
- Rep. Zinke, Ryan K. [R-MT-1] (R-MT), 2025-03-31T00:00:00.000Z
- Rep. Veasey, Marc A. [D-TX-33] (D-TX), 2025-03-31T00:00:00.000Z
- Rep. Stanton, Greg [D-AZ-4] (D-AZ), 2025-03-31T00:00:00.000Z
- Rep. Davis, Donald G. [D-NC-1] (D-NC), 2025-03-31T00:00:00.000Z
- Rep. Soto, Darren [D-FL-9] (D-FL), 2025-03-31T00:00:00.000Z
- Rep. Kelly, Robin L. [D-IL-2] (D-IL), 2025-03-31T00:00:00.000Z
- Rep. De La Cruz, Monica [R-TX-15] (R-TX), 2025-04-07T00:00:00.000Z
- Rep. Ciscomani, Juan [R-AZ-6] (R-AZ), 2025-04-07T00:00:00.000Z
- Rep. Salazar, Maria Elvira [R-FL-27] (R-FL), 2025-04-07T00:00:00.000Z
- Rep. Lee, Susie [D-NV-3] (D-NV), 2025-04-07T00:00:00.000Z
- Rep. Nehls, Troy E. [R-TX-22] (R-TX), 2025-04-07T00:00:00.000Z
- Rep. Bishop, Sanford D. [D-GA-2] (D-GA), 2025-04-07T00:00:00.000Z
- Rep. Torres, Ritchie [D-NY-15] (D-NY), 2025-04-07T00:00:00.000Z
- Rep. Correa, J. Luis [D-CA-46] (D-CA), 2025-04-09T00:00:00.000Z
- Rep. Turner, Michael R. [R-OH-10] (R-OH), 2025-04-09T00:00:00.000Z
- Rep. Fine, Randy [R-FL-6] (R-FL), 2025-04-09T00:00:00.000Z
- Rep. Cammack, Kat [R-FL-3] (R-FL), 2025-04-09T00:00:00.000Z
- Rep. Van Drew, Jefferson [R-NJ-2] (R-NJ), 2025-04-09T00:00:00.000Z
- Rep. Higgins, Clay [R-LA-3] (R-LA), 2025-04-28T00:00:00.000Z
- Rep. Mackenzie, Ryan [R-PA-7] (R-PA), 2025-04-28T00:00:00.000Z
- Rep. Nunn, Zachary [R-IA-3] (R-IA), 2025-04-28T00:00:00.000Z
- Rep. Craig, Angie [D-MN-2] (D-MN), 2025-05-07T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-05-07T00:00:00.000Z
- Rep. Kiley, Kevin [I-CA-3] (I-CA), 2025-05-07T00:00:00.000Z
- Rep. Min, Dave [D-CA-47] (D-CA), 2025-05-07T00:00:00.000Z
- Rep. Tokuda, Jill N. [D-HI-2] (D-HI), 2025-05-07T00:00:00.000Z
- Rep. Wittman, Robert J. [R-VA-1] (R-VA), 2025-05-07T00:00:00.000Z
- Rep. Kean, Thomas H. [R-NJ-7] (R-NJ), 2025-05-08T00:00:00.000Z
- Rep. Latimer, George [D-NY-16] (D-NY), 2025-05-08T00:00:00.000Z
- Rep. McDonald Rivet, Kristen [D-MI-8] (D-MI), 2025-05-08T00:00:00.000Z
- Rep. Bilirakis, Gus M. [R-FL-12] (R-FL), 2025-05-13T00:00:00.000Z
- Rep. Schrier, Kim [D-WA-8] (D-WA), 2025-05-13T00:00:00.000Z
- Rep. Mills, Cory [R-FL-7] (R-FL), 2025-05-13T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2025-05-13T00:00:00.000Z
- Rep. Pappas, Chris [D-NH-1] (D-NH), 2025-05-13T00:00:00.000Z
- Rep. Evans, Gabe [R-CO-8] (R-CO), 2025-05-13T00:00:00.000Z
- Rep. Levin, Mike [D-CA-49] (D-CA), 2025-05-15T00:00:00.000Z
- Rep. Thompson, Glenn [R-PA-15] (R-PA), 2025-05-15T00:00:00.000Z
- Rep. Harder, Josh [D-CA-9] (D-CA), 2025-05-15T00:00:00.000Z
- Rep. Neguse, Joe [D-CO-2] (D-CO), 2025-05-15T00:00:00.000Z
- Rep. Hinson, Ashley [R-IA-2] (R-IA), 2025-05-19T00:00:00.000Z
- Rep. Deluzio, Christopher R. [D-PA-17] (D-PA), 2025-06-05T00:00:00.000Z
- Rep. Goodlander, Maggie [D-NH-2] (D-NH), 2025-06-05T00:00:00.000Z
- Rep. DelBene, Suzan K. [D-WA-1] (D-WA), 2025-06-05T00:00:00.000Z
- Rep. Dingell, Debbie [D-MI-6] (D-MI), 2025-06-05T00:00:00.000Z
- Rep. Hoyle, Val T. [D-OR-4] (D-OR), 2025-06-05T00:00:00.000Z
- Rep. Strickland, Marilyn [D-WA-10] (D-WA), 2025-06-05T00:00:00.000Z
- Rep. Newhouse, Dan [R-WA-4] (R-WA), 2025-06-12T00:00:00.000Z
- Rep. Tran, Derek [D-CA-45] (D-CA), 2025-07-14T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-07-14T00:00:00.000Z
- Rep. Norcross, Donald [D-NJ-1] (D-NJ), 2025-07-14T00:00:00.000Z
- Rep. Hayes, Jahana [D-CT-5] (D-CT), 2025-07-14T00:00:00.000Z
- Rep. Crow, Jason [D-CO-6] (D-CO), 2025-07-14T00:00:00.000Z
- Rep. Smith, Christopher H. [R-NJ-4] (R-NJ), 2025-07-23T00:00:00.000Z
- Rep. Garamendi, John [D-CA-8] (D-CA), 2025-07-23T00:00:00.000Z
- Rep. Haridopolos, Mike [R-FL-8] (R-FL), 2025-07-23T00:00:00.000Z
- Rep. McClain Delaney, April [D-MD-6] (D-MD), 2025-07-23T00:00:00.000Z
- Del. Moylan, James C. [R-GU-At Large] (R-GU), 2025-07-23T00:00:00.000Z
- Rep. Ross, Deborah K. [D-NC-2] (D-NC), 2025-07-23T00:00:00.000Z
- Rep. Jackson, Jonathan L. [D-IL-1] (D-IL), 2025-07-23T00:00:00.000Z
- Rep. Webster, Daniel [R-FL-11] (R-FL), 2025-07-23T00:00:00.000Z
- Rep. Bonamici, Suzanne [D-OR-1] (D-OR), 2025-08-05T00:00:00.000Z
- Rep. Lieu, Ted [D-CA-36] (D-CA), 2025-08-05T00:00:00.000Z
- Rep. Mullin, Kevin [D-CA-15] (D-CA), 2025-08-19T00:00:00.000Z
- Rep. Perez, Marie Gluesenkamp [D-WA-3] (D-WA), 2025-08-29T00:00:00.000Z
- Rep. Menendez, Robert [D-NJ-8] (D-NJ), 2025-08-29T00:00:00.000Z
- Rep. Malliotakis, Nicole [R-NY-11] (R-NY), 2025-08-29T00:00:00.000Z
- Rep. Goldman, Daniel S. [D-NY-10] (D-NY), 2025-08-29T00:00:00.000Z
- Rep. Kaptur, Marcy [D-OH-9] (D-OH), 2025-08-29T00:00:00.000Z
- Rep. DeGette, Diana [D-CO-1] (D-CO), 2025-08-29T00:00:00.000Z
- Rep. Morelle, Joseph D. [D-NY-25] (D-NY), 2025-10-17T00:00:00.000Z
- Rep. Peters, Scott H. [D-CA-50] (D-CA), 2025-10-17T00:00:00.000Z
- Rep. Gonzales, Tony [R-TX-23] (R-TX), 2025-10-17T00:00:00.000Z
- Rep. Pallone, Frank [D-NJ-6] (D-NJ), 2026-10-19T00:00:00.000Z
- Rep. Fields, Cleo [D-LA-6] (D-LA), 2025-10-28T00:00:00.000Z
- Rep. Garcia, Robert [D-CA-42] (D-CA), 2025-10-28T00:00:00.000Z
- Rep. Gillen, Laura [D-NY-4] (D-NY), 2025-11-17T00:00:00.000Z
- Rep. Messmer, Mark B. [R-IN-8] (R-IN), 2025-12-05T00:00:00.000Z
- Rep. Sorensen, Eric [D-IL-17] (D-IL), 2025-12-16T00:00:00.000Z
- Rep. Vasquez, Gabe [D-NM-2] (D-NM), 2025-12-17T00:00:00.000Z
- Rep. Riley, Josh [D-NY-19] (D-NY), 2025-12-17T00:00:00.000Z
- Rep. Dean, Madeleine [D-PA-4] (D-PA), 2026-01-07T00:00:00.000Z
- Rep. Franklin, Scott [R-FL-18] (R-FL), 2026-01-21T00:00:00.000Z
- Rep. Amodei, Mark E. [R-NV-2] (R-NV), 2026-01-22T00:00:00.000Z
- Rep. Ellzey, Jake [R-TX-6] (R-TX), 2026-01-22T00:00:00.000Z
- Rep. Joyce, John [R-PA-13] (R-PA), 2026-02-02T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2026-02-02T00:00:00.000Z
- Rep. Donalds, Byron [R-FL-19] (R-FL), 2026-02-02T00:00:00.000Z
- Rep. Lee, Laurel M. [R-FL-15] (R-FL), 2026-02-02T00:00:00.000Z
- Rep. Chu, Judy [D-CA-28] (D-CA), 2026-02-10T00:00:00.000Z
- Rep. Elfreth, Sarah [D-MD-3] (D-MD), 2026-02-10T00:00:00.000Z
- Rep. Bresnahan, Robert P. [R-PA-8] (R-PA), 2026-02-24T00:00:00.000Z
- Rep. Tenney, Claudia [R-NY-24] (R-NY), 2026-02-24T00:00:00.000Z
- Rep. DeSaulnier, Mark [D-CA-10] (D-CA), 2026-02-24T00:00:00.000Z
- Rep. LaLota, Nick [R-NY-1] (R-NY), 2026-02-24T00:00:00.000Z
- Rep. Khanna, Ro [D-CA-17] (D-CA), 2026-04-14T00:00:00.000Z
- Rep. Sánchez, Linda T. [D-CA-38] (D-CA), 2026-04-14T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2026-04-14T00:00:00.000Z
- Rep. Clarke, Yvette D. [D-NY-9] (D-NY), 2026-04-14T00:00:00.000Z
- Rep. Mannion, John W. [D-NY-22] (D-NY), 2026-04-14T00:00:00.000Z
- Rep. Rogers, Mike D. [R-AL-3] (R-AL), 2026-04-14T00:00:00.000Z
- Rep. Pou, Nellie [D-NJ-9] (D-NJ), 2026-04-27T00:00:00.000Z
- Rep. Meng, Grace [D-NY-6] (D-NY), 2026-04-27T00:00:00.000Z
- Rep. Boyle, Brendan F. [D-PA-2] (D-PA), 2026-04-27T00:00:00.000Z
- Rep. Mfume, Kweisi [D-MD-7] (D-MD), 2026-04-27T00:00:00.000Z
- Rep. Vargas, Juan [D-CA-52] (D-CA), 2026-05-13T00:00:00.000Z
- Rep. Titus, Dina [D-NV-1] (D-NV), 2026-05-13T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2026-05-13T00:00:00.000Z
- Rep. Gray, Adam [D-CA-13] (D-CA), 2026-05-13T00:00:00.000Z
- Rep. Lofgren, Zoe [D-CA-18] (D-CA), 2026-05-15T00:00:00.000Z
- Rep. Calvert, Ken [R-CA-41] (R-CA), 2026-05-20T00:00:00.000Z
- Rep. Larsen, Rick [D-WA-2] (D-WA), 2026-05-20T00:00:00.000Z
- Rep. Grijalva, Adelita S. [D-AZ-7] (D-AZ), 2026-06-24T00:00:00.000Z
- Rep. Lynch, Stephen F. [D-MA-8] (D-MA), 2026-06-24T00:00:00.000Z
- Rep. Miller, Max L. [R-OH-7] (R-OH), 2026-06-24T00:00:00.000Z
- Rep. Carey, Mike [R-OH-15] (R-OH), 2026-06-24T00:00:00.000Z
- Rep. Whitesides, George [D-CA-27] (D-CA), 2026-06-24T00:00:00.000Z
- Rep. Espaillat, Adriano [D-NY-13] (D-NY), 2026-06-24T00:00:00.000Z
- Rep. McClellan, Jennifer L. [D-VA-4] (D-VA), 2026-06-24T00:00:00.000Z
- Rep. Smith, Adam [D-WA-9] (D-WA), 2026-06-24T00:00:00.000Z
- Rep. Kennedy, Timothy M. [D-NY-26] (D-NY), 2026-06-29T00:00:00.000Z
- Rep. Carter, Troy A. [D-LA-2] (D-LA), 2026-06-29T00:00:00.000Z
- Rep. Landsman, Greg [D-OH-1] (D-OH), 2026-07-21T00:00:00.000Z
- Rep. Luna, Anna Paulina [R-FL-13] (R-FL), 2026-07-21T00:00:00.000Z
- Rep. Joyce, David P. [R-OH-14] (R-OH), 2026-08-13T00:00:00.000Z
- Rep. Langworthy, Nicholas A. [R-NY-23] (R-NY), 2026-08-13T00:00:00.000Z
- Rep. Jacobs, Sara [D-CA-51] (D-CA), 2026-08-13T00:00:00.000Z
- Rep. Bera, Ami [D-CA-6] (D-CA), 2026-08-31T00:00:00.000Z
- Rep. Liccardo, Sam T. [D-CA-16] (D-CA), 2026-08-31T00:00:00.000Z
- Rep. Johnson, Julie [D-TX-32] (D-TX), 2026-09-02T00:00:00.000Z
- Rep. Horsford, Steven [D-NV-4] (D-NV), 2026-09-02T00:00:00.000Z

## Provisions PRIA read

- Zero-down home loans for first responders: mixed, high. If enacted, eligible first responders who are first-time homebuyers could get a federally insured mortgage with no cash down. The loan could cover up to 100% of the appraised value plus allowed fees and the up-front premium. You must complete Secretary-approved housing counseling, be in good standi…
- First responder loan window and funding: mixed, medium. If enacted, the authority to make new insurance commitments would end five years after the Secretary first offers this insurance. After that date, no new loans could be insured under this program unless Congress renews it. The bill would authorize $660,000 for FY2026 and $160,000 per year for FY202…

## Related bills

- 119-hr-2102: Major Richard Star Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-1993: 25th Anniversary of 9/11 Commemorative Coin Act
- 119-hr-909: Crime Victims Fund Stabilization Act of 2025
- 119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025

## Sources
- [119-hr-2094 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/2094)

## Related
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-1993: 25th Anniversary of 9/11 Commemorative Coin Act](https://policyrisk.com/legislation/119-hr-1993)
- [119-hr-909: Crime Victims Fund Stabilization Act of 2025](https://policyrisk.com/legislation/119-hr-909)
- [119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-hr-3514)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-2094 (as of 2026-10-21).