HELPER Act of 2025
Sponsored By: Senator Moody, Ashley [R-FL]
Introduced
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.
Your PRIA Score
Personalized for You
How does this bill affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this bill and every other piece of legislation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Home loans for first responders
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 collect one up-front insurance premium, which could be above 3% and may be financed into the loan. To qualify you would need to be a first-time homebuyer, complete HUD-approved housing counseling, and meet service and standing tests (generally 4 of the last 5 years employed as a first responder, or occupational disability, plus intent to continue one year). HUD would set underwriting rules to protect the Mutual Mortgage Insurance Fund. The authority to make new insurance commitments would end five years after HUD first makes the program available. The bill authorizes $660,000 for FY2026 and $160,000 each year from FY2027 through FY2032 for implementation.
Sponsors & CoSponsors
Sponsor
Moody, Ashley [R-FL]
FL • R
Cosponsors
Sen. Ossoff, Jon [D-GA]
GA • D
Sponsored 3/12/2025
Sen. Cassidy, Bill [R-LA]
LA • R
Sponsored 3/12/2025
Raphael Warnock
GA • D
Sponsored 3/12/2025
Sen. Shaheen, Jeanne [D-NH]
NH • D
Sponsored 3/13/2025
Sen. Cortez Masto, Catherine [D-NV]
NV • D
Sponsored 3/13/2025
Sen. Gallego, Ruben [D-AZ]
AZ • D
Sponsored 3/13/2025
John Hickenlooper
CO • D
Sponsored 3/14/2025
Sen. Blumenthal, Richard [D-CT]
CT • D
Sponsored 3/26/2025
Sen. Murkowski, Lisa [R-AK]
AK • R
Sponsored 4/1/2025
Sen. Risch, James E. [R-ID]
ID • R
Sponsored 4/7/2025
Sen. Booker, Cory A. [D-NJ]
NJ • D
Sponsored 4/7/2025
Sen. Kelly, Mark [D-AZ]
AZ • D
Sponsored 4/10/2025
Sen. Baldwin, Tammy [D-WI]
WI • D
Sponsored 4/28/2025
Sen. Fetterman, John [D-PA]
PA • D
Sponsored 4/28/2025
Elissa Slotkin
MI • D
Sponsored 4/29/2025
Dan Sullivan
AK • R
Sponsored 4/29/2025
Sen. Justice, James C. [R-WV]
WV • R
Sponsored 4/30/2025
John Boozman
AR • R
Sponsored 5/12/2025
Sen. Luján, Ben Ray [D-NM]
NM • D
Sponsored 9/2/2025
Sen. Schiff, Adam B. [D-CA]
CA • D
Sponsored 9/15/2025
Sen. Scott, Rick [R-FL]
FL • R
Sponsored 10/3/2025
Sen. Lankford, James [R-OK]
OK • R
Sponsored 3/18/2026
Sen. Hassan, Margaret Wood [D-NH]
NH • D
Sponsored 3/19/2026
Sen. Durbin, Richard J. [D-IL]
IL • D
Sponsored 4/28/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov