S. 978 Congress 119 session
HELPER Act of 2025
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.
Status
- Introduced
- Committee
- Floor vote
- Passed
- Enacted
In committee — last recorded action March 12, 2025
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Passage likelihood
6% Much lower than most bills at this stage
This is an estimate, not a guarantee. It is computed from the signals listed below and nothing else. It does not account for leadership priorities, floor scheduling, or negotiations that are not in the public record.
What the estimate is based on
- Historical base rate About 4% of introduced federal bills are enacted.
- Current stage Referred to committee.
- Cosponsors 27 cosponsors.
- Bipartisan cosponsorship Cosponsors come from 2 parties.
- Days without action No recorded action in 517 days.
State-level impact
State-level impact data is not available for this bill. The source text does not contain a per-state funding formula or scored breakdown, so no figures are shown.
Official actions
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced in Senate