S. 978 · Where this bill is now
In committee
Introduced in the Senate, Mar 12, 2025
What this bill does
In plain words · AI-written from the official summaryMortgage assistance for police, teachers, and firefighters
This bill creates a federal program to help law enforcement officers, teachers, firefighters, and other first responders buy their first homes. Instead of needing a down payment, eligible people could get a mortgage with a one-time upfront insurance fee paid at closing.
How it affects you
If you're a police officer, teacher, firefighter, or first responder, this could make buying your first home easier by removing the need to save for a down payment. For others, this is a targeted benefit that doesn't directly affect you.
Read the official summary (Introduced in Senate, Mar 12, 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 SessionS. 978
A BILL
HELPER Act of 2025
Sponsor: Sen. Ashley Moody (R-FL) · Introduced Mar 12, 2025 · Finance and Financial Sector · 1 version of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Mar 12, 2025: “Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.”