Bills · S 978
IN COMMITTEE· 119TH CONGRESS
Senate BillS 978Finance and Financial Sector
HELPER Act of 2025
This bill creates a zero-down-payment mortgage program for first-time homebuyers who work as teachers or first responders, removing several major costs associated with buying a home.AI-written
INTRO MAR 12· LAST ACTION MAR 12
READING
6MIN
COSPONSORS
27BIPARTISAN
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
tl;dr
AI-writtenEliminates down payments and monthly insurance fees for FHA home loans for teachers, police officers, and firefighters to help them afford homes in the communities they serve.
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed Senate
Passed House
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenIn many parts of the country, the people who provide essential services—like teaching children or responding to emergencies—cannot afford to live in the communities where they work because of rising home prices. If this bill becomes law, it provides a benefit similar to the VA loan for veterans, helping these workers build wealth through homeownership without needing to save tens of thousands of dollars for a down payment. If it doesn't pass, these workers will continue to face the same high entry barriers to the housing market as the general public, which can lead to staffing shortages in high-cost areas.
KEY PROVISIONS
4AI-extractedPROVISION 01
Allows for 100% financing on home purchases for eligible workers.
It eliminates the need for a down payment, which is often the biggest barrier to homeownership.
PROVISION 02
Eliminates the requirement for monthly mortgage insurance premiums.
This lowers the monthly cost of the mortgage, making the home more affordable on a teacher's or first responder's salary.
PROVISION 03
Defines eligibility as four years of service and status as a first-time homebuyer.
It ensures the benefit is targeted toward career public servants rather than temporary workers or real estate investors.
PROVISION 04
Mandates a housing counseling program for all participants.
This helps ensure that buyers understand the responsibilities of a mortgage and are less likely to fall into foreclosure.
SPONSORSHIP
1 + 27
R· Florida
YRS IN OFFICE
1
BILLS LED
55
COSPONSOR BREAKDOWNBIPARTISAN · 66%
DEM 18 REP 9 IND 0
ACTION TIMELINE
2 EVENTSMAR 12
Introduced in Senate
MAR 12
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
BILL INFO
TypeSenate Bill
NumberS 978
Congress119th
StatusIn Committee
IntroducedMar 12, 2025
Last actionMar 12, 2025
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IN COMMITTEE· 119TH CONGRESS · BANKING, HOUSING, AND URBAN AFFAIRS COMMITTEE · INTRODUCED MAR 12, 2025
Senate BillS 978Finance and Financial Sector
HELPER Act of 2025
This bill creates a zero-down-payment mortgage program for first-time homebuyers who work as teachers or first responders, removing several major costs associated with buying a home.AI-written
INTRODUCED MAR 12, 2025· LAST ACTION MAR 12, 2025
PASSAGE CHANCES
—%
READING
6 min
COSPONSORS
27
COMPLEXITY
Moderate
