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Standard Summary
Comprehensive overview in 1-2 paragraphs
The HELPER Act of 2025 would establish an FHA mortgage insurance program for first responders, including police, firefighters, EMTs, and teachers, with no down payment requirement.
Key Points
- 1Creates FHA mortgage insurance program for first responders and teachers
- 2Allows 100% financing (no down payment required)
- 3Requires 4 of last 5 years employment as first responder
- 4Limits up-front mortgage insurance premium to 3%
- 5Prohibits monthly mortgage insurance premiums
- 6Authorizes $660,000 for 2026 and $160,000 annually 2027-2032
- 75-year authorization with reauthorization required
Impact Areas
First respondersTeachersHousing marketFederal Housing AdministrationMortgage lending
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