United States 119th Congress Status: In Committee Bipartisan · 95 D · 49 R · 1 I cosponsors

HR 2094 — HELPER Act of 2025

Last action — Referred to the House Committee on Financial Services.

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

This bill is in committee in the House. Introduced March 14, 2025. It must pass committee before a floor vote.

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

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.

  • 145 sponsors

    1 primary, 144 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 3 parties (95 D · 49 R · 1 I) — 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

How this bill changes current law

5 changes Share ↗

Compared against current U.S. Code AI-generated reading aid — verify against the official bill.

The bill establishes a new mortgage insurance program specifically for first responders under the National Housing Act.

  • 12 U.S.C. 1709

    (z) FHA Mortgage Insurance Program for Mortgages for First Responders.-- (1) Definitions.--In this subsection: (A) First responder.--The term 'first responder' means an individual who is, as attested by the individual-- (i)(I) employed full-time by a law enforcement agency of the Federal Government, a State, a Tribal government, or a unit of general local government; and (II) in carrying out such full-time employment, sworn to uphold, and make arrests for violations of, Federal, State, county, township, municipal, or Tribal laws, or authorized by law to supervise sentenced criminal offenders or individuals with pending criminal charges; (ii) employed full-time as a firefighter, paramedic, or emergency medical technician by a fire department or emergency medical services responder unit of the Federal Government, a State, a Tribal government, or a unit of general local government; or (iii) employed as a full-time teacher by a State-accredited public school or private school that provides direct services to students in grades pre-kindergarten through 12. (B) First-time homebuyer.--The term 'first-time homebuyer' has the meaning given the term in section 104 of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12704). (C) State.--The term 'State' has the meaning given the term in section 201. (D) Tribal government.--The term 'Tribal government' means the recognized governing body of any Indian or Alaska Native tribe, band, nation, pueblo, village, community, component band, or component reservation, individually identified (including parenthetically) in the list published most recently pursuant to section 104 of the Federally Recognized Indian Tribe List Act of 1994 (25 U.S.C. 5131).

    Adds definitions specific to first responders and establishes a new mortgage insurance program for them.

  • 12 U.S.C. 1709

    (2) Authority.--The Secretary may, upon application by a mortgagee, insure any mortgage eligible for insurance under this subsection to an eligible mortgagor and, upon such terms and conditions as the Secretary may prescribe, make commitments for the insurance of such mortgages prior to the date of their execution or disbursement.

    Grants the Secretary the authority to insure mortgages specifically for first responders.

  • 12 U.S.C. 1709

    (3) Mortgage terms; mortgage insurance premium.-- (A) Terms.-- (i) In general.--A mortgage insured under this subsection shall-- (I) be made to an eligible mortgagor; (II) comply with the requirements established under paragraphs (1) through (7) of subsection (b); and (III) be used only to-- (aa) purchase or repair a 1-family residence, including a 1-family dwelling unit in a condominium project, to serve as a principal residence of the mortgagor, as attested by the mortgagor; or (bb) purchase a principal residence of the mortgagor, as attested by the mortgagor, which is-- (AA) a manufactured home to be permanently affixed to a lot that is owned by the mortgagor and titled as real property; or (BB) a manufactured home and a lot to which the home will be permanently affixed that is titled as real property. (ii) No down payment.--Notwithstanding any provision to the contrary in the matter following subsection (b)(2)(B) with respect to first-time homebuyers-- (I) the Secretary may insure any mortgage that involves an original principal obligation (including allowable charges and fees and the premium pursuant to subparagraph (B) of this paragraph) in an amount not to exceed 100 percent of the appraised value of the property involved; and (II) the mortgagor of a mortgage described in subclause (I) shall not be required to pay any amount, in cash or its equivalent, on account of the property.

    Defines the terms for mortgages insured under the new program, allowing for no down payment and specifying eligible uses.

  • 12 U.S.C. 1709

    (5) Authorization of appropriations.--There is authorized to be appropriated to carry out the program under this subsection-- (A) $660,000 for fiscal year 2026, to remain available until expended; and (B) $160,000 for each of fiscal years 2027 through 2032, to remain available until expended.

    Provides funding authorization for the implementation of the mortgage insurance program for first responders.

  • 12 U.S.C. 1709

    (6) Reauthorization required.--The authority to enter into new commitments to insure mortgages under this subsection shall expire on the date that is 5 years after the date on which the Secretary first makes available insurance for mortgages under this subsection.

    Establishes a sunset provision for the new mortgage insurance program after five years.

Action History

  1. Introduced in House

  2. Introduced in House

  3. Referred to the House Committee on Financial Services.

Sponsors

Sponsorship breakdown

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1 sponsors · 144 co-sponsors · 402 not signed on

Sponsors (1)

Co-sponsors (144)

Not signed on (402)

402 members have not signed on to this bill.

Show all 402 →

"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 education
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 HR 2094 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 HR 2094?
HR 2094 is sponsored by Rutherford, John H. (Republican), Watson Coleman, Bonnie (Democratic), Garbarino, Andrew R. (Republican), Gottheimer, Josh (Democratic), Costa, Jim (Democratic), Valadao, David G. (Republican), Evans, Dwight (Democratic), Keating, William R. (Democratic), Meuser, Daniel (Republican), Carbajal, Salud O. (Democratic), Pettersen, Brittany (Democratic), Kelly, Mike (Republican), Fong, Vince (Republican), Sykes, Emilia Strong (Democratic), Brownley, Julia (Democratic), Amo, Gabe (Democratic), Mrvan, Frank J. (Democratic), Sherrill, Mikie (Democratic), Houlahan, Chrissy (Democratic), Brown, Shontel M. (Democratic), Salinas, Andrea (Democratic), Tonko, Paul (Democratic), Fitzpatrick, Brian K. (Republican), Gimenez, Carlos A. (Republican), Zinke, Ryan K. (Republican), Veasey, Marc A. (Democratic), Stanton, Greg (Democratic), Davis, Donald G. (Democratic), Soto, Darren (Democratic), Kelly, Robin L. (Democratic), De La Cruz, Monica (Republican), Ciscomani, Juan (Republican), Salazar, Maria Elvira (Republican), Lee, Susie (Democratic), Nehls, Troy E. (Republican), Bishop, Sanford D. (Democratic), Torres, Ritchie (Democratic), Correa, J. Luis (Democratic), Turner, Michael R. (Republican), Fine, Randy (Republican), Cammack, Kat (Republican), Van Drew, Jefferson (Republican), Higgins, Clay (Republican), Mackenzie, Ryan (Republican), Nunn, Zachary (Republican), Craig, Angie (Democratic), Vindman, Eugene Simon (Democratic), Kiley, Kevin (Independent), Min, Dave (Democratic), Tokuda, Jill N. (Democratic), Wittman, Robert J. (Republican), Kean, Thomas H. (Republican), Latimer, George (Democratic), McDonald Rivet, Kristen (Democratic), Bilirakis, Gus M. (Republican), Schrier, Kim (Democratic), Mills, Cory (Republican), Suozzi, Thomas R. (Democratic), Pappas, Chris (Democratic), Evans, Gabe (Republican), Levin, Mike (Democratic), Thompson, Glenn (Republican), Harder, Josh (Democratic), Neguse, Joe (Democratic), Hinson, Ashley (Republican), Deluzio, Christopher R. (Democratic), Goodlander, Maggie (Democratic), DelBene, Suzan K. (Democratic), Dingell, Debbie (Democratic), Hoyle, Val T. (Democratic), Strickland, Marilyn (Democratic), Newhouse, Dan (Republican), Tran, Derek (Democratic), McBride, Sarah (Democratic), Norcross, Donald (Democratic), Hayes, Jahana (Democratic), Crow, Jason (Democratic), Smith, Christopher H. (Republican), Garamendi, John (Democratic), Haridopolos, Mike (Republican), McClain Delaney, April (Democratic), Moylan, James C. (Republican), Ross, Deborah K. (Democratic), Jackson, Jonathan L. (Democratic), Webster, Daniel (Republican), Bonamici, Suzanne (Democratic), Lieu, Ted (Democratic), Mullin, Kevin (Democratic), Perez, Marie Gluesenkamp (Democratic), Menendez, Robert (Democratic), Malliotakis, Nicole (Republican), Goldman, Daniel S. (Democratic), Kaptur, Marcy (Democratic), DeGette, Diana (Democratic), Morelle, Joseph D. (Democratic), Peters, Scott H. (Democratic), Gonzales, Tony (Republican), Fields, Cleo (Democratic), Garcia, Robert (Democratic), Gillen, Laura (Democratic), Messmer, Mark B. (Republican), Sorensen, Eric (Democratic), Vasquez, Gabe (Democratic), Riley, Josh (Democratic), Dean, Madeleine (Democratic), Franklin, Scott (Republican), Amodei, Mark E. (Republican), Ellzey, Jake (Republican), Joyce, John (Republican), Lawler, Michael (Republican), Donalds, Byron (Republican), Lee, Laurel M. (Republican), Chu, Judy (Democratic), Elfreth, Sarah (Democratic), Bresnahan, Robert P. (Republican), Tenney, Claudia (Republican), DeSaulnier, Mark (Democratic), LaLota, Nick (Republican), Khanna, Ro (Democratic), Sánchez, Linda T. (Democratic), Sherman, Brad (Democratic), Clarke, Yvette D. (Democratic), Mannion, John W. (Democratic), Rogers, Mike D. (Republican), Pou, Nellie (Democratic), Meng, Grace (Democratic), Boyle, Brendan F. (Democratic), Mfume, Kweisi (Democratic), Vargas, Juan (Democratic), Titus, Dina (Democratic), Thanedar, Shri (Democratic), Gray, Adam (Democratic), Lofgren, Zoe (Democratic), Calvert, Ken (Republican), Larsen, Rick (Democratic), Grijalva, Adelita S. (Democratic), Lynch, Stephen F. (Democratic), Miller, Max L. (Republican), Carey, Mike (Republican), Whitesides, George (Democratic), McClellan, Jennifer L. (Democratic), Smith, Adam (Democratic), Espaillat, Adriano (Democratic), Kennedy, Timothy M. (Democratic), and Carter, Troy A. (Democratic).
What is the current status of HR 2094?
This bill is in committee in the House. Introduced March 14, 2025. It must pass committee before a floor vote.
Where can I track HR 2094?
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