S. 978: HELPER Act of 2025
A Senate bill (S.) in the 119th U.S. Congress.
Overview
| Congress | 119th U.S. Congress (2025–2026) |
|---|---|
| Type | Senate bill (S.) |
| Originating chamber | Senate |
| Introduced | 2025-03-12 |
| Sponsor | Sen. Moody, Ashley [R-FL] |
| Policy area | Finance and Financial Sector |
| Cosponsors | 20 |
| Latest action | 2025-03-12 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. |
| Last updated | 2026-06-10 |
Summary
Official summary (Introduced in Senate, 2025-03-12):
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.
Cosponsors (20)
| Name | Party / state |
|---|---|
| Jon Ossoff | D GA (original cosponsor) 2025-03-12 |
| Bill Cassidy | R LA (original cosponsor) 2025-03-12 |
| Raphael G. Warnock | D GA (original cosponsor) 2025-03-12 |
| Jeanne Shaheen | D NH 2025-03-13 |
| Catherine Cortez Masto | D NV 2025-03-13 |
| Ruben Gallego | D AZ 2025-03-13 |
| John W. Hickenlooper | D CO 2025-03-14 |
| Richard Blumenthal | D CT 2025-03-26 |
| Lisa Murkowski | R AK 2025-04-01 |
| James E. Risch | R ID 2025-04-07 |
| Cory A. Booker | D NJ 2025-04-07 |
| Mark Kelly | D AZ 2025-04-10 |
| Tammy Baldwin | D WI 2025-04-28 |
| John Fetterman | D PA 2025-04-28 |
| Elissa Slotkin | D MI 2025-04-29 |
| Dan Sullivan | R AK 2025-04-29 |
| James C. Justice | R WV 2025-04-30 |
| John Boozman | R AR 2025-05-12 |
| Ben Ray Luján | D NM 2025-09-02 |
| Adam B. Schiff | D CA 2025-09-15 |
Full text & official record
The official bill text, section-by-section summary, amendments, committee reports, and the complete legislative timeline for S. 978 are published by Congress on congress.gov.
Frequently asked questions
What is S. 978?
S. 978 is a Senate bill (S.) introduced in the 119th U.S. Congress, originating in the Senate. Official title: HELPER Act of 2025.
Where can I read the full bill text?
The full text, cosponsors, amendments, and legislative status for S. 978 are available on congress.gov.
Bill data: congress.gov API (official congressional records).