HELPER Act of 2025

The HELPER Act of 2025 creates a new FHA mortgage insurance program specifically for first responders and teachers, allowing them to purchase homes with no down payment. It defines "first responders" as full-time law enforcement officers, firefighters, paramedics, EMTs, and K-12 teachers employed by government or accredited schools. The program requires applicants to be first-time homebuyers with 4 years of recent employment in their field, complete housing counseling, and intend to remain in their role for at least one year after closing. Mortgages under this program must be used for a primary residence, cover 100% of the home's appraised value, and exclude monthly insurance premiums.