H.R. 2094 · Where this bill is now
In committee
Introduced in the House, sent to the Committee on Financial Services, Mar 14, 2025
What this bill does
In plain words · AI-written from the official summaryMortgage assistance for police, teachers, and firefighters
The HELPER Act creates a new program to help law enforcement officers, teachers, firefighters, and other first responders buy homes. Eligible people could get a mortgage for a primary home with no down payment required. Instead of saving up for a down payment, they'd pay a one-time insurance fee upfront as part of the mortgage.
How it affects you
If you're a police officer, firefighter, teacher, or first responder, this program could help you buy a home more easily by eliminating the need to save for a down payment. For others, this doesn't create a direct change in your own situation.
Read the official summary (Introduced in House, Mar 14, 2025)
Homes for Every Local Protector, Educator, and Responder Act of 2025 or the HELPER Act of 2025
This bill establishes a program administered by the Department of Housing and Urban Development to provide mortgage assistance to law enforcement officers, elementary and secondary school teachers, firefighters, or other first responders. Specifically, these individuals may be eligible for a first-time mortgage on a primary family residence with no down payment. Instead, the mortgage is subject to a one-time, up-front mortgage insurance premium.
Written by AI (Claude) using only the official summary by the Congressional Research Service, the Library of Congress’s nonpartisan research staff. It can miss nuance, so check the official summary and the bill text for details.
1st SessionH. R. 2094
A BILL
HELPER Act of 2025
Sponsor: Rep. John H. Rutherford (R-FL-5) · Introduced Mar 14, 2025 · Finance and Financial Sector · 1 version of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Mar 14, 2025: “Referred to the House Committee on Financial Services.”