CONGRESS FOR VOTERS

John Rutherford (R-FL)

HELPER Act of 2025

H.R. 2094 · House bill Finance and Financial Sector

A Republican bill with 102 Democratic cosponsors · See all 154 cosponsors

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

In committee

Introduced and handed to a committee in the chamber it started in.

The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.

Its path through Congress

  1. Introduced
  2. In Committee

What this bill would do

The HELPER Act of 2025 seeks to amend the National Housing Act to create a specific FHA mortgage insurance program for first responders. This program is designed for full-time law enforcement officers, firefighters, paramedics, emergency medical technicians, and pre-K through 12 teachers. It allows these individuals to use the insurance to purchase or repair a single-family residence or certain manufactured homes to serve as a principal residence. The bill provides for mortgages that may not require a down payment. To qualify, applicants must be first-time homebuyers and meet specific employment and standing requirements.

Yes· 3 of 5

  • Scored +8

    Does this make housing cost less?

    The bill facilitates homeownership for first responders through no-down-payment FHA mortgages.

  • Scored +5

    Would households on low incomes be better off under this?

    The zero-down-payment provision benefits those with limited upfront capital.

  • Scored +5

    Would middle-income households be better off under this?

    Provides an accessible path to homeownership for professionals like teachers and first responders.

The opposite

No question was scored the opposite.