HELPER Act of 2025
Sponsored By: Representative Rutherford
Introduced
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.
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 0 benefits, 0 costs, 2 mixed.
Zero-down home loans for first responders
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 standing, and plan to keep serving for at least one year. The home must be your 1-family primary home (including a condo) or a manufactured home permanently affixed and titled as real property; repairs are allowed. There would be no monthly mortgage insurance. Instead, you would pay a one-time up-front premium that could be set above 3% of the loan and may change over time.
First responder loan window and funding
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 FY2027–FY2032, available until spent, to run the program, subject to future appropriations.
Sponsors & CoSponsors
Sponsor
Rutherford
FL • R
Cosponsors
Rep. Watson Coleman, Bonnie [D-NJ-12]
NJ • D
Sponsored 3/14/2025
Rep. Garbarino, Andrew R. [R-NY-2]
NY • R
Sponsored 3/14/2025
Rep. Gottheimer, Josh [D-NJ-5]
NJ • D
Sponsored 3/14/2025
Costa
CA • D
Sponsored 3/24/2025
Rep. Valadao, David G. [R-CA-22]
CA • R
Sponsored 3/24/2025
Rep. Evans, Dwight [D-PA-3]
PA • D
Sponsored 3/24/2025
Keating
MA • D
Sponsored 3/24/2025
Rep. Meuser, Daniel [R-PA-9]
PA • R
Sponsored 3/24/2025
Rep. Carbajal, Salud O. [D-CA-24]
CA • D
Sponsored 3/24/2025
Rep. Pettersen, Brittany [D-CO-7]
CO • D
Sponsored 3/24/2025
Kelly (PA)
PA • R
Sponsored 3/26/2025
Rep. Fong, Vince [R-CA-20]
CA • R
Sponsored 3/31/2025
Rep. Sykes, Emilia Strong [D-OH-13]
OH • D
Sponsored 3/31/2025
Rep. Brownley, Julia [D-CA-26]
CA • D
Sponsored 3/31/2025
Rep. Amo, Gabe [D-RI-1]
RI • D
Sponsored 3/31/2025
Mrvan
IN • D
Sponsored 3/31/2025
Sherrill
NJ • D
Sponsored 3/31/2025
Rep. Houlahan, Chrissy [D-PA-6]
PA • D
Sponsored 3/31/2025
Rep. Brown, Shontel M. [D-OH-11]
OH • D
Sponsored 3/31/2025
Rep. Salinas, Andrea [D-OR-6]
OR • D
Sponsored 3/31/2025
Rep. Tonko, Paul [D-NY-20]
NY • D
Sponsored 3/31/2025
Rep. Fitzpatrick, Brian K. [R-PA-1]
PA • R
Sponsored 3/31/2025
Rep. Gimenez, Carlos A. [R-FL-28]
FL • R
Sponsored 3/31/2025
Rep. Zinke, Ryan K. [R-MT-1]
MT • R
Sponsored 3/31/2025
Rep. Veasey, Marc A. [D-TX-33]
TX • D
Sponsored 3/31/2025
Rep. Stanton, Greg [D-AZ-4]
AZ • D
Sponsored 3/31/2025
Davis (NC)
NC • D
Sponsored 3/31/2025
Soto
FL • D
Sponsored 3/31/2025
Rep. Kelly, Robin L. [D-IL-2]
IL • D
Sponsored 3/31/2025
Rep. De La Cruz, Monica [R-TX-15]
TX • R
Sponsored 4/7/2025
Ciscomani
AZ • R
Sponsored 4/7/2025
Salazar
FL • R
Sponsored 4/7/2025
Rep. Lee, Susie [D-NV-3]
NV • D
Sponsored 4/7/2025
Nehls
TX • R
Sponsored 4/7/2025
Bishop
GA • D
Sponsored 4/7/2025
Rep. Torres, Ritchie [D-NY-15]
NY • D
Sponsored 4/7/2025
Rep. Correa, J. Luis [D-CA-46]
CA • D
Sponsored 4/9/2025
Turner (OH)
OH • R
Sponsored 4/9/2025
Rep. Fine, Randy [R-FL-6]
FL • R
Sponsored 4/9/2025
Rep. Cammack, Kat [R-FL-3]
FL • R
Sponsored 4/9/2025
Van Drew
NJ • R
Sponsored 4/9/2025
Rep. Higgins, Clay [R-LA-3]
LA • R
Sponsored 4/28/2025
Rep. Mackenzie, Ryan [R-PA-7]
PA • R
Sponsored 4/28/2025
Rep. Nunn, Zachary [R-IA-3]
IA • R
Sponsored 4/28/2025
Craig
MN • D
Sponsored 5/7/2025
Rep. Vindman, Eugene Simon [D-VA-7]
VA • D
Sponsored 5/7/2025
Kiley (CA)
CA • I
Sponsored 5/7/2025
Rep. Min, Dave [D-CA-47]
CA • D
Sponsored 5/7/2025
Rep. Tokuda, Jill N. [D-HI-2]
HI • D
Sponsored 5/7/2025
Wittman
VA • R
Sponsored 5/7/2025
Kean
NJ • R
Sponsored 5/8/2025
Rep. Latimer, George [D-NY-16]
NY • D
Sponsored 5/8/2025
Rep. McDonald Rivet, Kristen [D-MI-8]
MI • D
Sponsored 5/8/2025
Bilirakis
FL • R
Sponsored 5/13/2025
Schrier
WA • D
Sponsored 5/13/2025
Mills
FL • R
Sponsored 5/13/2025
Rep. Suozzi, Thomas R. [D-NY-3]
NY • D
Sponsored 5/13/2025
Rep. Pappas, Chris [D-NH-1]
NH • D
Sponsored 5/13/2025
Evans (CO)
CO • R
Sponsored 5/13/2025
Levin
CA • D
Sponsored 5/15/2025
Rep. Thompson, Glenn [R-PA-15]
PA • R
Sponsored 5/15/2025
Rep. Harder, Josh [D-CA-9]
CA • D
Sponsored 5/15/2025
Rep. Neguse, Joe [D-CO-2]
CO • D
Sponsored 5/15/2025
Rep. Hinson, Ashley [R-IA-2]
IA • R
Sponsored 5/19/2025
Rep. Deluzio, Christopher R. [D-PA-17]
PA • D
Sponsored 6/5/2025
Rep. Goodlander, Maggie [D-NH-2]
NH • D
Sponsored 6/5/2025
DelBene
WA • D
Sponsored 6/5/2025
Rep. Dingell, Debbie [D-MI-6]
MI • D
Sponsored 6/5/2025
Rep. Hoyle, Val T. [D-OR-4]
OR • D
Sponsored 6/5/2025
Rep. Strickland, Marilyn [D-WA-10]
WA • D
Sponsored 6/5/2025
Rep. Newhouse, Dan [R-WA-4]
WA • R
Sponsored 6/12/2025
Rep. Tran, Derek [D-CA-45]
CA • D
Sponsored 7/14/2025
McBride
DE • D
Sponsored 7/14/2025
Norcross
NJ • D
Sponsored 7/14/2025
Rep. Hayes, Jahana [D-CT-5]
CT • D
Sponsored 7/14/2025
Crow
CO • D
Sponsored 7/14/2025
Rep. Smith, Christopher H. [R-NJ-4]
NJ • R
Sponsored 7/23/2025
Rep. Garamendi, John [D-CA-8]
CA • D
Sponsored 7/23/2025
Haridopolos
FL • R
Sponsored 7/23/2025
Rep. McClain Delaney, April [D-MD-6]
MD • D
Sponsored 7/23/2025
Del. Moylan, James C. [R-GU-At Large]
GU • R
Sponsored 7/23/2025
Rep. Ross, Deborah K. [D-NC-2]
NC • D
Sponsored 7/23/2025
Jackson (IL)
IL • D
Sponsored 7/23/2025
Webster (FL)
FL • R
Sponsored 7/23/2025
Bonamici
OR • D
Sponsored 8/5/2025
Rep. Lieu, Ted [D-CA-36]
CA • D
Sponsored 8/5/2025
Mullin
CA • D
Sponsored 8/19/2025
Rep. Perez, Marie Gluesenkamp [D-WA-3]
WA • D
Sponsored 8/29/2025
Rep. Menendez, Robert [D-NJ-8]
NJ • D
Sponsored 8/29/2025
Rep. Malliotakis, Nicole [R-NY-11]
NY • R
Sponsored 8/29/2025
Rep. Goldman, Daniel S. [D-NY-10]
NY • D
Sponsored 8/29/2025
Rep. Kaptur, Marcy [D-OH-9]
OH • D
Sponsored 8/29/2025
Rep. DeGette, Diana [D-CO-1]
CO • D
Sponsored 8/29/2025
Rep. Morelle, Joseph D. [D-NY-25]
NY • D
Sponsored 10/17/2025
Peters
CA • D
Sponsored 10/17/2025
Gonzales, Tony
TX • R
Sponsored 10/17/2025
Rep. Fields, Cleo [D-LA-6]
LA • D
Sponsored 10/28/2025
Rep. Garcia, Robert [D-CA-42]
CA • D
Sponsored 10/28/2025
Rep. Gillen, Laura [D-NY-4]
NY • D
Sponsored 11/17/2025
Messmer
IN • R
Sponsored 12/5/2025
Rep. Sorensen, Eric [D-IL-17]
IL • D
Sponsored 12/16/2025
Rep. Vasquez, Gabe [D-NM-2]
NM • D
Sponsored 12/17/2025
Riley (NY)
NY • D
Sponsored 12/17/2025
Rep. Dean, Madeleine [D-PA-4]
PA • D
Sponsored 1/7/2026
Franklin, Scott
FL • R
Sponsored 1/21/2026
Amodei (NV)
NV • R
Sponsored 1/22/2026
Ellzey
TX • R
Sponsored 1/22/2026
Joyce (PA)
PA • R
Sponsored 2/2/2026
Rep. Lawler, Michael [R-NY-17]
NY • R
Sponsored 2/2/2026
Rep. Donalds, Byron [R-FL-19]
FL • R
Sponsored 2/2/2026
Lee (FL)
FL • R
Sponsored 2/2/2026
Rep. Chu, Judy [D-CA-28]
CA • D
Sponsored 2/10/2026
Elfreth
MD • D
Sponsored 2/10/2026
Bresnahan
PA • R
Sponsored 2/24/2026
Rep. Tenney, Claudia [R-NY-24]
NY • R
Sponsored 2/24/2026
Rep. DeSaulnier, Mark [D-CA-10]
CA • D
Sponsored 2/24/2026
LaLota
NY • R
Sponsored 2/24/2026
Khanna
CA • D
Sponsored 4/14/2026
Rep. Sánchez, Linda T. [D-CA-38]
CA • D
Sponsored 4/14/2026
Rep. Sherman, Brad [D-CA-32]
CA • D
Sponsored 4/14/2026
Rep. Clarke, Yvette D. [D-NY-9]
NY • D
Sponsored 4/14/2026
Mannion
NY • D
Sponsored 4/14/2026
Rep. Rogers, Mike D. [R-AL-3]
AL • R
Sponsored 4/14/2026
Rep. Pou, Nellie [D-NJ-9]
NJ • D
Sponsored 4/27/2026
Rep. Meng, Grace [D-NY-6]
NY • D
Sponsored 4/27/2026
Rep. Boyle, Brendan F. [D-PA-2]
PA • D
Sponsored 4/27/2026
Mfume
MD • D
Sponsored 4/27/2026
Rep. Vargas, Juan [D-CA-52]
CA • D
Sponsored 5/13/2026
Rep. Titus, Dina [D-NV-1]
NV • D
Sponsored 5/13/2026
Rep. Thanedar, Shri [D-MI-13]
MI • D
Sponsored 5/13/2026
Gray
CA • D
Sponsored 5/13/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov