HELPER Act of 2025

Reduced barriers to homeownership: The bill allows for a mortgage that does not require a down payment, meaning the mortgagor does not have to pay any amount in cash or its equivalent on account of the property. (Section 2, Subsection (3)(A)(ii))

Increased flexibility for housing types: The program allows individuals to use the mortgage to purchase a 1-family residence, a condominium unit, or a manufactured home that is permanently affixed to a lot owned by the mortgagor. (Section s 2, Subsection (3)(A)(i))

Lower recurring monthly costs: Mortgages insured under this specific program are not subject to a monthly insurance premium. (Section 2, Subsection (3)(B)(ii))

Support for specific professions: The bill provides dedicated mortgage insurance opportunities for full-time law enforcement, firefighters, paramedics, emergency medical technicians, and pre-K through 12th grade teachers. (Section 2, Subsection (2)(1))

Up-front costs may be higher: While there is no monthly premium, the Secretary can establish an up-front insurance premium that may exceed 3 percent of the original insured principal obligation. (Section 2, Subsection (3)(B)(i))

Strict employment requirements: To be an eligible mortgagor, an individual must have been employed as a first responder for at least 4 of the 5 years preceding their application, or have been released due to an occupation-connected disability. (Section 2, Subsection (4)(C)(ii))

Employment stability requirements: Individuals must attest that they in good faith intend to continue working as a first responder for at least one year following the date of closing on the mortgage. (Section 2, Subsection (4)(C)(iv))

Employment standing requirements: An individual must be in good standing and not currently on probation or under investigation for conduct that could result in termination. (Section 2, Subsection (4)(C)(iii))