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OfficialUS · federal · United States CongressHR.2094· House· 119th Congress
HELPER Act of 2025
Sponsored byRep. Rutherford, John H. [R-FL-5]
AI summary· claude-haiku-4-5
Allows police officers, teachers, firefighters, and first responders to buy homes with no down payment, paying mortgage insurance instead.
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Official 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.