Bill · H.R. 2094· House(119-HR-2094)

HELPER Act of 2025

Age: 74 years

Florida

Introduced: 3/14/2025
Last activity: 3/14/2025 — Referred to the House Committee on Financial Services.
Sponsored by: John Rutherford
Cosponsors: - 51 - 101

Finance and Financial Sector

Introduced
In Committee

What this bill would do

The HELPER Act of 2025 seeks to amend the National Housing Act to create a specific FHA mortgage insurance program for first responders. This program is designed for full-time law enforcement officers, firefighters, paramedics, emergency medical technicians, and pre-K through 12 teachers. It allows these individuals to use the insurance to purchase or repair a single-family residence or certain manufactured homes to serve as a principal residence. The bill provides for mortgages that may not require a down payment. To qualify, applicants must be first-time homebuyers and meet specific employment and standing requirements.

Yes· 3 of 5

Does this make housing cost less?+8
The bill facilitates homeownership for first responders through no-down-payment FHA mortgages.
Would households on low incomes be better off under this?+5
The zero-down-payment provision benefits those with limited upfront capital.
Would middle-income households be better off under this?+5
Provides an accessible path to homeownership for professionals like teachers and first responders.