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HELPER Act of 2025 (HR-2094) · Congress.wiki

Text Versions

Text as it was Introduced in House

March 14, 2025

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March 14, 2025 (11 months ago)

Referred to the House Committee on Financial Services.

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United StatesHouse Bill 2094HR 2094

HELPER Act of 2025

Finance and Financial Sector

house
senate
president

Introduced March 14, 2025 by John Henry Rutherford · Last progress 11 months ago

Floridasenator·Ashley Brooke Moody

Finance and Financial Sector

HELPER Act of 2025

senate

house

president

21 cosponsors·Updated 10 hours ago·Last progress March 12, 2025

AI Summary

Creates a new FHA mortgage insurance program that helps first responders buy homes by offering FHA-insured loans with no required down payment and a single up-front insurance premium. Borrowers must complete housing counseling and meet FHA underwriting standards, and the program is funded and time-limited by the statute.

The law defines who counts as a first responder, sets eligibility and premium rules, authorizes specific funding for the new program, and limits how long the Secretary may make new insurance commitments under the program.

Sponsors (118)