H.R. 2094 · 119th Congress

No-down-payment, federally insured mortgages for first responders and teachers

Official title: HELPER Act of 20251

Never got a floor voteHelp for first-time homebuyers

§1What it does

Why this matters: A plain-English description of the bill as it was voted on, written by us from the official summary and text.

Drafted by AI from the public sources cited. Each sentence links to its source.

The bill would create a Department of Housing and Urban Development program to help law enforcement officers, elementary and secondary school teachers, firefighters and other first responders buy homes.2,3 Eligible people could get a mortgage on their first home, to serve as their primary residence, with no down payment, paying a one-time, up-front mortgage insurance premium instead.3

§2Status

StatusLatest action, March 14, 2025: Referred to the House Committee on Financial Services.1
IntroducedMarch 14, 2025
SponsorRep. Rutherford, John H. [R-FL-5]
Cosponsors154 cosponsors (102 Democratic, 52 Republican)
Official recordH.R. 2094 on Congress.gov

§3It never got a vote

Why this matters: This bill had wide support from both parties, but it never reached the House or Senate floor, so no member of Congress was ever recorded voting for or against it.

Latest action, March 14, 2025: Referred to the House Committee on Financial Services.1 How bills die without a vote.

2026 candidates who sponsored or cosponsored it (134)