# 119-hr-6125: Housing Financial Literacy Act of 2025

119-hr-6125, Housing Financial Literacy Act of 2025, is a 119th Congress bill sponsored by Rep. Beatty, Joyce [D-OH-3] (D-OH); status introduced; PRIA reads it as touching household money (as of 2026-10-11).

- Canonical: https://policyrisk.com/legislation/119-hr-6125
- As of: 2026-10-11
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6125
- Congress: 119
- Title: Housing Financial Literacy Act of 2025
- Status: introduced
- Introduced: 2025-11-19
- Sponsor: Rep. Beatty, Joyce [D-OH-3] (D-OH)
- Cosponsors: 35
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-11

## Summary

**Would give first-time homebuyers a discount on FHA mortgage insurance if they complete approved housing counseling before signing their mortgage application or sales contract.** The bill would lower the FHA single-family mortgage insurance premium by 0.25 percentage points from the standard premium the Secretary sets and replaces prior language that referenced a 2.75 percent cap. The discount applies only when counseling finishes before signing and is written as a premium reduction rather than a separate subsidy.

## Cosponsors (35)

- Rep. Sykes, Emilia Strong [D-OH-13] (D-OH), 2026-10-01T00:00:00.000Z
- Rep. Min, Dave [D-CA-47] (D-CA), 2026-10-09T00:00:00.000Z
- Rep. Carey, Mike [R-OH-15] (R-OH), 2025-11-19T00:00:00.000Z
- Rep. Adams, Alma S. [D-NC-12] (D-NC), 2025-11-19T00:00:00.000Z
- Rep. Bishop, Sanford D. [D-GA-2] (D-GA), 2025-11-19T00:00:00.000Z
- Rep. Carson, André [D-IN-7] (D-IN), 2025-11-19T00:00:00.000Z
- Rep. Case, Ed [D-HI-1] (D-HI), 2025-11-19T00:00:00.000Z
- Rep. Clarke, Yvette D. [D-NY-9] (D-NY), 2025-11-19T00:00:00.000Z
- Rep. Cleaver, Emanuel [D-MO-5] (D-MO), 2025-11-19T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2025-11-19T00:00:00.000Z
- Rep. Craig, Angie [D-MN-2] (D-MN), 2025-11-19T00:00:00.000Z
- Rep. Davis, Donald G. [D-NC-1] (D-NC), 2025-11-19T00:00:00.000Z
- Rep. Evans, Dwight [D-PA-3] (D-PA), 2025-11-19T00:00:00.000Z
- Rep. Fields, Cleo [D-LA-6] (D-LA), 2025-11-19T00:00:00.000Z
- Rep. Hayes, Jahana [D-CT-5] (D-CT), 2025-11-19T00:00:00.000Z
- Rep. Johnson, Henry C. "Hank" [D-GA-4] (D-GA), 2025-11-19T00:00:00.000Z
- Rep. Johnson, Julie [D-TX-32] (D-TX), 2025-11-19T00:00:00.000Z
- Rep. Kelly, Robin L. [D-IL-2] (D-IL), 2025-11-19T00:00:00.000Z
- Rep. Krishnamoorthi, Raja [D-IL-8] (D-IL), 2025-11-19T00:00:00.000Z
- Rep. Mannion, John W. [D-NY-22] (D-NY), 2025-11-19T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-11-19T00:00:00.000Z
- Rep. Meeks, Gregory W. [D-NY-5] (D-NY), 2025-11-19T00:00:00.000Z
- Rep. Moore, Gwen [D-WI-4] (D-WI), 2025-11-19T00:00:00.000Z
- Rep. Mullin, Kevin [D-CA-15] (D-CA), 2025-11-19T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-11-19T00:00:00.000Z
- Rep. Scott, David [D-GA-13] (D-GA), 2025-11-19T00:00:00.000Z
- Rep. Smith, Adam [D-WA-9] (D-WA), 2025-11-19T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2025-11-19T00:00:00.000Z
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS), 2025-11-19T00:00:00.000Z
- Rep. Tokuda, Jill N. [D-HI-2] (D-HI), 2025-11-19T00:00:00.000Z
- Rep. Stevens, Haley M. [D-MI-11] (D-MI), 2025-11-21T00:00:00.000Z
- Rep. Titus, Dina [D-NV-1] (D-NV), 2025-11-21T00:00:00.000Z
- Rep. Subramanyam, Suhas [D-VA-10] (D-VA), 2025-12-02T00:00:00.000Z
- Rep. Houlahan, Chrissy [D-PA-6] (D-PA), 2025-12-09T00:00:00.000Z
- Rep. Correa, J. Luis [D-CA-46] (D-CA), 2025-12-17T00:00:00.000Z

## Provisions PRIA read

- Lower FHA insurance for first-time buyers: benefit, medium. If enacted, first-time homebuyers using an FHA-insured mortgage would pay a lower insurance premium. The rate would be 0.25 percentage points (25 basis points) below the standard FHA premium. To qualify, you would need to finish a housing financial literacy counseling program before signing a mortg…

## Related bills

- 119-hr-7973: Momnibus Act
- 119-hr-8800: National Defense Authorization Act for Fiscal Year 2027
- 119-hr-2763: American Family Act
- 119-hr-17: Paycheck Fairness Act
- 119-hr-14: John R. Lewis Voting Rights Advancement Act of 2025
- 119-hr-2550: Protect America's Workforce Act

## Sources
- [119-hr-6125 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6125)

## Related
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-8800: National Defense Authorization Act for Fiscal Year 2027](https://policyrisk.com/legislation/119-hr-8800)
- [119-hr-2763: American Family Act](https://policyrisk.com/legislation/119-hr-2763)
- [119-hr-17: Paycheck Fairness Act](https://policyrisk.com/legislation/119-hr-17)
- [119-hr-14: John R. Lewis Voting Rights Advancement Act of 2025](https://policyrisk.com/legislation/119-hr-14)
- [119-hr-2550: Protect America's Workforce Act](https://policyrisk.com/legislation/119-hr-2550)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6125 (as of 2026-10-11).