S. 978

119th Congress

In Committee

HELPER Act of 2025

Sponsored byRepublican:Sen. Moody, Ashley [R-FL]FL· Introduced 12 March 2025
Open on Congress.gov

25

Cosponsors

2

Actions

0

Amendments

1

Committees

—

Since introduced

Introduced
Committee
Passed Chamber
Passed Both
Enacted
Step 1 of 0
Latest action

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

12 March 2025·1 year ago

Summary

Introduced in Senate · Updated 17 April 2026

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.

Timeline

2 actions

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

    12 March 2025 · IntroReferral

  2. Introduced in Senate

    12 March 2025 · IntroReferral

Sponsorship

25 cosponsors

Sponsor

Republican:Sen. Moody, Ashley [R-FL]FL

Cosponsors

  • Democrat1768%
  • Republican832%

Classification

Policy area

Finance and Financial Sector

Committees

1

  • Banking, Housing, and Urban Affairs Committee

    Senate · Standing

    • Referred To12 Mar 2025
    • Referred To12 Mar 2025

Cosponsor momentum

Cumulative over time

Cosponsors grew from 3 on 12 March 2025 to 25 on 9 June 2026.

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