119th Congress
S. 978
HELPER Act of 2025
- Introduced
- In committee
- Passed Senate
- Passed House
- To President
- Became law
- Sponsor
- Ashley Moody(R-FL)
- Introduced
- Mar 12, 2025
- Policy area
- Finance and Financial Sector
- Committees
- Senate Committee on Banking, Housing, and Urban Affairs
- Official text
- Introduced in Senate · Congress.gov page
Cosponsors (27)
Original cosponsors (3)
- Bill Cassidy (R-LA)
- Jon Ossoff (D-GA)
- Raphael G. Warnock (D-GA)
Added later (24)
- Catherine Cortez Masto (D-NV) · Mar 13, 2025
- Jeanne Shaheen (D-NH) · Mar 13, 2025
- Ruben Gallego (D-AZ) · Mar 13, 2025
- John W. Hickenlooper (D-CO) · Mar 14, 2025
- Richard Blumenthal (D-CT) · Mar 26, 2025
- Lisa Murkowski (R-AK) · Apr 1, 2025
- Cory A. Booker (D-NJ) · Apr 7, 2025
- James E. Risch (R-ID) · Apr 7, 2025
- Mark Kelly (D-AZ) · Apr 10, 2025
- John Fetterman (D-PA) · Apr 28, 2025
- Tammy Baldwin (D-WI) · Apr 28, 2025
- Dan Sullivan (R-AK) · Apr 29, 2025
- Elissa Slotkin (D-MI) · Apr 29, 2025
- James C. Justice (R-WV) · Apr 30, 2025
- John Boozman (R-AR) · May 12, 2025
- Ben Ray Luján (D-NM) · Sep 2, 2025
- Adam B. Schiff (D-CA) · Sep 15, 2025
- Rick Scott (R-FL) · Oct 3, 2025
- James Lankford (R-OK) · Mar 18, 2026
- Margaret Wood Hassan (D-NH) · Mar 19, 2026
- Richard J. Durbin (D-IL) · Apr 28, 2026
- Jeff Merkley (D-OR) · Jun 9, 2026
- Jacky Rosen (D-NV) · Aug 6, 2026
- Alan Armstrong (R-OK) · Aug 7, 2026
Summary
Summary by the Congressional Research Service· describes the “Introduced in Senate” version
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.
Roll-call votes
No recorded votes on this bill.
Actions
- Mar 12, 2025 · Senate
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. - Mar 12, 2025
Introduced in Senate