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119-hr-6125Committee
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Housing Financial Literacy Act of 2025

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Summary

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This bill requires the Secretary of Housing and Urban Development to reduce FHA mortgage insurance premium payments for first-time homebuyers who complete a financial literacy housing counseling program before applying for a mortgage. The discount is set at 25 basis points (0.25 percentage points) below the standard premium amount. The bill amends the National Housing Act to establish this incentive for homebuyer education.

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Bill details

Congress
119
Bill type
hr
Introduced
November 19, 2025
Sponsor
Joyce BeattyDOH
Cosponsors
33
Last action
November 19, 2025— Referred to the House Committee on Financial Services.

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