# 119-s-978: HELPER Act of 2025

119-s-978, HELPER Act of 2025, is a 119th Congress bill sponsored by Sen. Moody, Ashley [R-FL] (R-FL); status introduced; PRIA reads it as touching household money (as of 2026-10-07).

- Canonical: https://policyrisk.com/legislation/119-s-978
- As of: 2026-10-07
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-978
- Congress: 119
- Title: HELPER Act of 2025
- Status: introduced
- Introduced: 2025-03-12
- Sponsor: Sen. Moody, Ashley [R-FL] (R-FL)
- Cosponsors: 27
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-07

## Summary

**Creates an FHA program that lets qualified first responders buy a home with no cash down.** It would set up a new Federal Housing Administration mortgage-insurance option aimed at law enforcement officers, firefighters and emergency medical personnel, and full-time K–12 teachers who are first-time buyers.

## Cosponsors (27)

- Sen. Ossoff, Jon [D-GA] (D-GA), 2025-03-12T00:00:00.000Z
- Sen. Cassidy, Bill [R-LA] (R-LA), 2025-03-12T00:00:00.000Z
- Sen. Warnock, Raphael G. [D-GA] (D-GA), 2025-03-12T00:00:00.000Z
- Sen. Shaheen, Jeanne [D-NH] (D-NH), 2025-03-13T00:00:00.000Z
- Sen. Cortez Masto, Catherine [D-NV] (D-NV), 2025-03-13T00:00:00.000Z
- Sen. Gallego, Ruben [D-AZ] (D-AZ), 2025-03-13T00:00:00.000Z
- Sen. Hickenlooper, John W. [D-CO] (D-CO), 2025-03-14T00:00:00.000Z
- Sen. Blumenthal, Richard [D-CT] (D-CT), 2025-03-26T00:00:00.000Z
- Sen. Murkowski, Lisa [R-AK] (R-AK), 2025-04-01T00:00:00.000Z
- Sen. Risch, James E. [R-ID] (R-ID), 2025-04-07T00:00:00.000Z
- Sen. Booker, Cory A. [D-NJ] (D-NJ), 2025-04-07T00:00:00.000Z
- Sen. Kelly, Mark [D-AZ] (D-AZ), 2025-04-10T00:00:00.000Z
- Sen. Baldwin, Tammy [D-WI] (D-WI), 2025-04-28T00:00:00.000Z
- Sen. Fetterman, John [D-PA] (D-PA), 2025-04-28T00:00:00.000Z
- Sen. Slotkin, Elissa [D-MI] (D-MI), 2025-04-29T00:00:00.000Z
- Sen. Sullivan, Dan [R-AK] (R-AK), 2025-04-29T00:00:00.000Z
- Sen. Justice, James C. [R-WV] (R-WV), 2025-04-30T00:00:00.000Z
- Sen. Boozman, John [R-AR] (R-AR), 2025-05-12T00:00:00.000Z
- Sen. Luján, Ben Ray [D-NM] (D-NM), 2025-09-02T00:00:00.000Z
- Sen. Schiff, Adam B. [D-CA] (D-CA), 2025-09-15T00:00:00.000Z
- Sen. Scott, Rick [R-FL] (R-FL), 2025-10-03T00:00:00.000Z
- Sen. Lankford, James [R-OK] (R-OK), 2026-03-18T00:00:00.000Z
- Sen. Hassan, Margaret Wood [D-NH] (D-NH), 2026-03-19T00:00:00.000Z
- Sen. Durbin, Richard J. [D-IL] (D-IL), 2026-04-28T00:00:00.000Z
- Sen. Merkley, Jeff [D-OR] (D-OR), 2026-06-09T00:00:00.000Z
- Sen. Rosen, Jacky [D-NV] (D-NV), 2026-08-06T00:00:00.000Z
- Sen. Armstrong, Alan [R-OK] (R-OK), 2026-08-07T00:00:00.000Z

## Provisions PRIA read

- Home loans for first responders: benefit, high. If enacted, this would create an FHA-insured mortgage program just for eligible first responders. You could get a loan up to 100% of the home's appraised value, so no cash down payment would be required. Loans under this program would not have any monthly mortgage insurance fee. Instead, HUD would…

## Related bills

- 119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former United States Senator for the State of Kansas.
- 119-sres-897: A resolution honoring the life, service, and legacy of the Honorable Jon Llewellyn Kyl, former Senator for the State of Arizona.
- 119-sres-801: A resolution honoring the life and legacy of the Honorable Lindsey Olin Graham, a Senator from the State of South Carolina.
- 119-sres-755: A resolution honoring the life of the Honorable Donald W. Riegle, Jr., former Senator for the State of Michigan.
- 119-sres-739: A resolution honoring the life and legacy of John Seymour, the late Senator for the State of California.
- 119-sres-723: A resolution honoring the life of Dirk Arthur Kempthorne, former United States Senator for the State of Idaho.

## Sources
- [119-s-978 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/978)

## Related
- [119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former Uni…](https://policyrisk.com/legislation/119-sres-913)
- [119-sres-897: A resolution honoring the life, service, and legacy of the Honorable Jon Llewel…](https://policyrisk.com/legislation/119-sres-897)
- [119-sres-801: A resolution honoring the life and legacy of the Honorable Lindsey Olin Graham,…](https://policyrisk.com/legislation/119-sres-801)
- [119-sres-755: A resolution honoring the life of the Honorable Donald W. Riegle, Jr., former S…](https://policyrisk.com/legislation/119-sres-755)
- [119-sres-739: A resolution honoring the life and legacy of John Seymour, the late Senator for…](https://policyrisk.com/legislation/119-sres-739)
- [119-sres-723: A resolution honoring the life of Dirk Arthur Kempthorne, former United States…](https://policyrisk.com/legislation/119-sres-723)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-978 (as of 2026-10-07).