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119th Congress · S. 978 · Introduced

HELPER Act of 2025

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.

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XML scalars

congress
119
type
S
number
978
originChamber
Senate
originChamberCode
S
introducedDate
2025-03-12
updateDate
2026-10-05T21:44:12Z
updateDateIncludingText
2026-10-05T21:44:12Z
title
HELPER Act of 2025
legislationUrl
https://www.congress.gov/bill/119th-congress/senate-bill/978

Constitutional authority statement (CDATA)

null

Pipeline

Track
federal_presidential
Stage
Introduced
Stage rank
3

Sponsor

  • Sen. Moody, Ashley [R-FL] · [R-FL] · M001244
    Rep-FL current · 1 term · 6 district offices

Sponsor record (congress_legislators)

Bio (legislators)

bioguide
M001244
status
current
official_full
Ashley Moody
first
Ashley
middle
Brooke
last
Moody
suffix
null
nickname
null
birthday
1975-03-28
gender
F

Current term (1 total)

type
sen
state
FL
district
null
class
3
party
Republican
caucus
null
start
2025-01-21
end
2026-11-03
end_type
special-election
how
appointment
url
https://www.moody.senate.gov
address
387 Russell Senate Office Building Washington DC 20510
office
387 Russell Senate Office Building
phone
202-224-3041
fax
null
contact_form
null
rss_url
null

Leadership roles (0)

none

Committee memberships (17)

  • Joint Economic Committee (joint) · joint · rank 6 · site
  • Airland (senate) · senate · rank 7
  • Antitrust, Competition Policy, and Consumer Rights (senate) · senate · rank 6
  • Border Management, Federal Workforce, and Regulatory Affairs (senate) · senate · rank 5
  • Border Security and Immigration (senate) · senate · rank 7
  • Disaster Management, District of Columbia, and Census (senate) · senate · rank 4
  • Education and the American Family (senate) · senate · rank 7
  • Emerging Threats and Capabilities (senate) · senate · rank 8
  • Intellectual Property (senate) · senate · rank 6
  • Primary Health and Retirement Security (senate) · senate · rank 8
  • Privacy, Technology, and the Law (senate) · senate · rank 6
  • Seapower (senate) · senate · rank 6
  • Senate Committee on Armed Services (senate) · senate · rank 14 · site
  • Senate Committee on Health, Education, Labor, and Pensions (senate) · senate · rank 11 · site
  • Senate Committee on Homeland Security and Governmental Affairs (senate) · senate · rank 8 · site
  • Senate Committee on the Judiciary (senate) · senate · rank 12 · site
  • Senate Special Committee on Aging (senate) · senate · rank 6 · site

Social media

none

District offices (6)

  • 402 S. Monroe St., Suite 2105, Tallahassee, FL, 32399-6526 · 850-599-9100 · 30.4381132,-84.2813144
  • 4822 Northlake Boulevard, Suite B-1, Palm Beach Gardens, FL, 33418-3920 · 561-775-3360 · 26.8085681,-80.1113367
  • 300 North Hogan Street, Suite 8-111, Jacksonville, FL, 32202 · 904-354-4300 · 30.329682,-81.6606134
  • 9130 S Dadeland Blvd., 1510, Miami, FL, 33156-7850 · 305-596-4224 · 25.6852013,-80.3141728
  • 201 S Orange Av., Suite 350, Orlando, FL, 32801-3499 · 407-254-2573 · 28.5401009,-81.37816029999999
  • 2120 Main Street, Suite 200, Fort Myers, FL, 33901 · 239-318-6464 · 26.6423574,-81.8702443

Other names (0)

none

Sponsor FEC record (fec_live)

Candidate record (candidates) · cycle 2026

candidate_id
S6FL00640
cycle
2026
name
MOODY, ASHLEY
party
REPUBLICAN PARTY
office
Senate
state
FL
district
00
incumbent_challenge
Incumbent
candidate_status
C
active_through
2026
election_year
null
first_file_date
2025-01-21
last_file_date
2026-09-03
last_f2_date
2026-09-03
address
null

Candidate summary (candidate_summaries) · cycle 2026

cycle
2026
total_receipts
$11,270,804.54
total_disbursements
$2,779,629.11
cash_on_hand_end_period
$8,491,175.43
debts_owed_by_committee
$0.00
coverage_start_date
2025-01-13
coverage_end_date
2026-07-29

Connected committees (0)

none

Cosponsors (27)

  • Sen. Ossoff, Jon [D-GA] · [D-GA] · O000174 · Co-sponsored 2025-03-12 · original
    Dem-GA current · 1 term · @SenOssoff · 4 district offices
  • Sen. Cassidy, Bill [R-LA] · [R-LA] · C001075 · Co-sponsored 2025-03-12 · original
    Rep-LA current · 5 terms · @SenBillCassidy · 7 district offices
  • Sen. Warnock, Raphael G. [D-GA] · [D-GA] · W000790 · Co-sponsored 2025-03-12 · original
    Dem-GA current · 2 terms · @SenatorWarnock · 1 district office
  • Sen. Shaheen, Jeanne [D-NH] · [D-NH] · S001181 · Co-sponsored 2025-03-13
    Dem-NH current · 3 terms · @SenatorShaheen · 6 district offices
  • Sen. Cortez Masto, Catherine [D-NV] · [D-NV] · C001113 · Co-sponsored 2025-03-13
    Dem-NV current · 2 terms · @SenCortezMasto · 2 district offices
  • Sen. Gallego, Ruben [D-AZ] · [D-AZ] · G000574 · Co-sponsored 2025-03-13
    Dem-AZ current · 6 terms · @RepRubenGallego · 2 district offices
  • Sen. Hickenlooper, John W. [D-CO] · [D-CO] · H000273 · Co-sponsored 2025-03-14
    Dem-CO current · 1 term · @SenatorHick · 7 district offices
  • Sen. Blumenthal, Richard [D-CT] · [D-CT] · B001277 · Co-sponsored 2025-03-26
    Dem-CT current · 3 terms · @SenBlumenthal · 2 district offices
  • Sen. Murkowski, Lisa [R-AK] · [R-AK] · M001153 · Co-sponsored 2025-04-01
    Rep-AK current · 5 terms · @LisaMurkowski · 6 district offices
  • Sen. Risch, James E. [R-ID] · [R-ID] · R000584 · Co-sponsored 2025-04-07
    Rep-ID current · 3 terms · @SenatorRisch · 6 district offices
  • Sen. Booker, Cory A. [D-NJ] · [D-NJ] · B001288 · Co-sponsored 2025-04-07
    Dem-NJ current · 3 terms · @SenBooker · 2 district offices
  • Sen. Kelly, Mark [D-AZ] · [D-AZ] · K000377 · Co-sponsored 2025-04-10
    Dem-AZ current · 2 terms · @SenMarkKelly · 2 district offices
  • Sen. Baldwin, Tammy [D-WI] · [D-WI] · B001230 · Co-sponsored 2025-04-28
    Dem-WI current · 10 terms · @SenatorBaldwin · 6 district offices
  • Sen. Fetterman, John [D-PA] · [D-PA] · F000479 · Co-sponsored 2025-04-28
    Dem-PA current · 1 term · 5 district offices
  • Sen. Slotkin, Elissa [D-MI] · [D-MI] · S001208 · Co-sponsored 2025-04-29
    Dem-MI current · 4 terms · @RepSlotkin · 4 district offices
  • Sen. Sullivan, Dan [R-AK] · [R-AK] · S001198 · Co-sponsored 2025-04-29
    Rep-AK current · 2 terms · @SenDanSullivan · 6 district offices
  • Sen. Justice, James C. [R-WV] · [R-WV] · J000312 · Co-sponsored 2025-04-30
    Rep-WV current · 1 term · 1 district office
  • Sen. Boozman, John [R-AR] · [R-AR] · B001236 · Co-sponsored 2025-05-12
    Rep-AR current · 8 terms · @JohnBoozman · 7 district offices
  • Sen. Luján, Ben Ray [D-NM] · [D-NM] · L000570 · Co-sponsored 2025-09-02
    Dem-NM current · 7 terms · @SenatorLujan · 5 district offices
  • Sen. Schiff, Adam B. [D-CA] · [D-CA] · S001150 · Co-sponsored 2025-09-15
    Dem-CA current · 14 terms · @SenAdamSchiff · 3 district offices
  • Sen. Scott, Rick [R-FL] · [R-FL] · S001217 · Co-sponsored 2025-10-03
    Rep-FL current · 2 terms · @SenRickScott · 9 district offices
  • Sen. Lankford, James [R-OK] · [R-OK] · L000575 · Co-sponsored 2026-03-18
    Rep-OK current · 5 terms · @SenatorLankford · 2 district offices
  • Sen. Hassan, Margaret Wood [D-NH] · [D-NH] · H001076 · Co-sponsored 2026-03-19
    Dem-NH current · 2 terms · @SenatorHassan · 4 district offices
  • Sen. Durbin, Richard J. [D-IL] · [D-IL] · D000563 · Co-sponsored 2026-04-28
    Dem-IL current · 12 terms · @SenatorDurbin · 4 district offices
  • Sen. Merkley, Jeff [D-OR] · [D-OR] · M001176 · Co-sponsored 2026-06-09
    Dem-OR current · 3 terms · @SenJeffMerkley · 6 district offices
  • Sen. Rosen, Jacky [D-NV] · [D-NV] · R000608 · Co-sponsored 2026-08-06
    Dem-NV current · 3 terms · @SenJackyRosen · 2 district offices
  • Sen. Armstrong, Alan [R-OK] · [R-OK] · A000383 · Co-sponsored 2026-08-07
    Rep-OK current · 1 term

Committees (1)

  • Banking, Housing, and Urban Affairs Committee [Senate Standing]
    2025-03-12T17:17:07ZReferred To
    2025-03-12T17:17:07ZReferred To

Actions — from XML (2)

  • 2025-03-12IntroReferralvia Senate
    Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  • 2025-03-12IntroReferral10000via Library of Congress
    Introduced in Senate

Actions — from bill_actions table (0)

none

Titles

  • Display Title2026-08-10T17:33:27Z
    HELPER Act of 2025
  • Short Title(s) as IntroducedIS2025-04-03T13:23:22Z
    HELPER Act of 2025
  • Short Title(s) as IntroducedIS2025-04-03T13:23:22Z
    Homes for Every Local Protector, Educator, and Responder Act of 2025
  • Official Title as IntroducedIS2025-04-03T13:18:31Z
    A bill to amend the National Housing Act to establish a mortgage insurance program for first responders, and for other purposes.

Text versions (from XML)

Versions — from bill_versions table (0)

none

Policy area

Finance and Financial Sector

Summaries

00 · 2025-03-12 · Introduced in Senate

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.

Related bills

  • HR 2094 (119) HELPER Act of 2025
    Latest: 2025-03-14 — Referred to the House Committee on Financial Services.
    Relationship: Identical bill (via CRS)
  • HR 10524 (119) HELPER Plus Act
    Latest: 2026-09-21 — Referred to the House Committee on Financial Services.
    Relationship: Related bill (via CRS)

Amendments (0)

none

Laws

none

Committee reports

none

Calendar number

null

CBO cost estimates

none

Latest action

Date
2025-03-12
Text
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Time
null

Dublin Core

format
text/xml
language
EN
rights
Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
contributor
Congressional Research Service, Library of Congress
description
This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.

Row fields (debug)

id
8604
congress
119
bill_type
s
bill_number
978
bill_slug
s-978-119
title
HELPER Act of 2025
short_title
HELPER Act of 2025
sponsor_bioguide_id
M001244
sponsor_name
Sen. Moody, Ashley [R-FL]
sponsor_party
R
sponsor_state
FL
introduced_date
2025-03-12
latest_action_date
2025-03-12
latest_action_text
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
status
Committee
policy_area
Finance and Financial Sector
subjects_json
[]
govinfo_billstatus_path
BILLSTATUS-119s978
raw_billstatus_xml
<?xml version="1.0" encoding="utf-8" standalone="no"?> <billStatus> <version>3.0.0</version> <bill> <number>978</number> <updateDate>2026-10-05T21:44:12Z</updateDate> <updateDateIncludingText>2026-10-05T21:44:12Z</updateDateIncludingText> <originChamber>Senate</originChamber> <originChamberCode>S</originChamberCode> <type>S</type> <introducedDate>2025-03-12</intr…
summary_lede
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-tim…
topic_primary
finance
topic_secondary_json
[]
action_family
committee_active
response_available
0
response_type
null
response_deadline
null
importance_score
null
consequence_score
null
urgency_score
null
overall_score
null
in_canopy
0
canopy_expires_at
null
pipeline_track
federal_presidential
pipeline_stage
introduced
pipeline_stage_rank
3
stable_action_id
s-978-119
jurisdiction
federal
lock_status
open
lock_at
null
content_hash
61973dd2edb49b5ca42960a511701f35d8e95e87c719132602e969d5fa284e82
anchored_at
null
anchor_merkle_root
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source_kind
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first_seen_at
2026-04-20T08:15:57.988066+00:00
last_seen_at
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⎔ Anchored0x0000…0000Epoch 2026-Q4