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S 978 119th Congress Senate Finance and Financial Sector

HELPER Act of 2025

Introduced: March 12, 2025 Introduced by: Moody, Ashley Republican · Florida See on congress.gov
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 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 12, 2025
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Mar 12, 2025
Introduced in Senate
 Votes taken on this bill 1
DateChamberWhat was voted onResultYes–No
May 11, 1994 Senate · vote #108 On Passage of the Bill S. 978 Passed 85–14 See who voted →
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 Plain-English summary Congressional Research Service

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.

What's happening now March 12, 2025

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

 Related & companion bills 1
  • HR 2094 Identical bill HELPER Act of 2025
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 38

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

See all 38 filings →
 Cosponsors 25
All 25 Democratic 17 Republican 8
D
Merkley, Jeff
Oregon · Jun 9, 2026
 D
Durbin, Richard J.
Illinois · Apr 28, 2026
 D
Hassan, Margaret Wood
New Hampshire · Mar 19, 2026
 R
Lankford, James
Oklahoma · Mar 18, 2026
 R
Scott, Rick
Florida · Oct 3, 2025
 D
Schiff, Adam B.
California · Sep 15, 2025
 D
Luján, Ben Ray
New Mexico · Sep 2, 2025
 R
Boozman, John
Arkansas · May 12, 2025
 R
Justice, James C.
West Virginia · Apr 30, 2025
 D
Slotkin, Elissa
Michigan · Apr 29, 2025
 R
Sullivan, Dan
Alaska · Apr 29, 2025
 D
Baldwin, Tammy
Wisconsin · Apr 28, 2025
 D
Fetterman, John
Pennsylvania · Apr 28, 2025
 D
Kelly, Mark
Arizona · Apr 10, 2025
 D
Booker, Cory A.
New Jersey · Apr 7, 2025
 R
Risch, James E.
Idaho · Apr 7, 2025
 R
Murkowski, Lisa
Alaska · Apr 1, 2025
 D
Blumenthal, Richard
Connecticut · Mar 26, 2025
 D
Hickenlooper, John W.
Colorado · Mar 14, 2025
 D
Cortez Masto, Catherine
Nevada · Mar 13, 2025
 D
Gallego, Ruben
Arizona · Mar 13, 2025
 D
Shaheen, Jeanne
New Hampshire · Mar 13, 2025
 R
Cassidy, Bill
Louisiana · Mar 12, 2025
 D
Ossoff, Jon
Georgia · Mar 12, 2025
 D
Warnock, Raphael G.
Georgia · Mar 12, 2025
Cite this page click to expand
APA
U.S. Congress. (2026). S. 978: HELPER Act of 2025. 119th Congress. Open America. https://openamerica.io/bill/119-S-978/
MLA
"S. 978: HELPER Act of 2025." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-S-978/.
Bluebook (legal)
S. 978, 119th Cong. (2026), https://openamerica.io/bill/119-S-978/.
Markdown link
[S. 978: HELPER Act of 2025](https://openamerica.io/bill/119-S-978/)
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