Helper act of 2025
Helper Act of 2025
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed Senate
- Passed House
- To President
- Became Law
Overview
The Homes for Every Local Protector, Educator, and Responder Act of 2025 (HELPER Act) establishes a program through the Department of Housing and Urban Development to assist first responders, teachers, and firefighters with purchasing their first homes. The program offers mortgage insurance with no down payment, but requires a one-time up-front premium. Eligible applicants must be first-time homebuyers who have worked as a first responder for at least four of the five years prior to applying and meet other criteria, such as completing housing counseling and demonstrating a continued commitment to their role.
Key provisions
- Establishes a mortgage insurance program for first responders, teachers, and firefighters.
- Offers mortgages with no down payment.
- Requires a one-time up-front mortgage insurance premium.
- Specifies eligibility requirements for mortgagors, including employment history and good standing.
- Mandates participation in a housing counseling program.
- Limits the maximum mortgage amount to 100% of the appraised value.
- Prohibits monthly mortgage insurance premiums.
- Authorizes appropriations for the program.
Who is affected
- Law enforcement officers
- Elementary and secondary school teachers
- Firefighters
- Emergency medical technicians
- First-time homebuyers
Notable changes
- Introduces a new mortgage insurance program specifically for first responders.
Bill text
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Sponsors
Official sponsors from legislative records.
28 on record
Primary sponsor
Cosponsors
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