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Senate bill · S. 978 (119th Congress)

HELPER Act of 2025

U.S. Senate

Latest action Mar 12, 2025

Sponsor: Ashley Moody (U.S. Senator for Florida, Republican)

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From Congress.gov and official rosters. This record was last updated Jul 30, 2026. About our data

Summary

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.

Summary from the Congressional Research Service. How we handle summaries

Where it stands

Assigned to a committee for review.

  1. Introduced
  2. In committee
  3. Up for a vote
  4. Passed one chamber
  5. Passed
  6. Enacted

Committee

Senate Committee on Banking, Housing, and Urban Affairs · U.S. Senate

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Cosponsors

25

Cosponsors listed on Congress.gov, shown A to Z.

  • Democratic17
  • Republican8

This bill has cosponsors from more than one party.

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Show the full list (25 names)

Related bills

As identified by Congress.gov.

Full history

  1. Mar 12, 2025

    Introduced

    Introduced in U.S. Senate

    U.S. Senate

  2. Mar 12, 2025

    Referred to committee

    Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

  3. Mar 12, 2025

    Referred to committee

    Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

  4. Mar 12, 2025

    Referred to committee

    Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Read the record