United States 119th Congress Status: In Committee Bipartisan · 17 D · 9 R cosponsors

S 978 — HELPER Act of 2025

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

  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the Senate. Introduced March 12, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the Senate.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Advancing 42% · moderate confidence

  • In Committee

    Current position in the legislative process.

  • 26 sponsors

    1 primary, 25 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (17 D · 9 R) — cross-party backing.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Summary

Homes for Every Local Protector, Educator, and Responder Act of 2025 or the HELPER Act of 2025This 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.

Bill Text

Action History

  1. Introduced in Senate

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

Sponsors

Sponsorship breakdown

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1 sponsors · 25 co-sponsors · 521 not signed on

Sponsors (1)

Co-sponsors (25)

Not signed on (521)

521 members have not signed on to this bill.

Show all 521 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

public-safety finance housing labor
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does S 978 do?
Homes for Every Local Protector, Educator, and Responder Act of 2025 or the HELPER Act of 2025This 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.
Who sponsors S 978?
S 978 is sponsored by Moody, Ashley (Republican), Ossoff, Jon (Democratic), Cassidy, Bill (Republican), Warnock, Raphael G. (Democratic), Shaheen, Jeanne (Democratic), Cortez Masto, Catherine (Democratic), Gallego, Ruben (Democratic), Hickenlooper, John W. (Democratic), Blumenthal, Richard (Democratic), Murkowski, Lisa (Republican), Risch, James E. (Republican), Booker, Cory A. (Democratic), Kelly, Mark (Democratic), Baldwin, Tammy (Democratic), Fetterman, John (Democratic), Slotkin, Elissa (Democratic), Sullivan, Dan (Republican), Justice, James C. (Republican), Boozman, John (Republican), Luján, Ben Ray (Democratic), Schiff, Adam B. (Democratic), Scott, Rick (Republican), Lankford, James (Republican), Hassan, Margaret Wood (Democratic), Durbin, Richard J. (Democratic), and Merkley, Jeff (Democratic).
What is the current status of S 978?
This bill is in committee in the Senate. Introduced March 12, 2025. It must pass committee before a floor vote.
Where can I track S 978?
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Last checked for changes 2 months ago · updated continuously

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