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HR 6125
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Housing Financial Literacy Act of 2025

To require the Secretary of Housing and Urban Development to discount FHA single-family mortgage insurance premium payments for first-time homebuyers who complete a financial literacy housing counseling program.

Introduced Nov 19, 2025

Latest action (Nov 19, 2025) Referred to the House Committee on Financial Services.

Referred to
Financial Services Committee
Policy area
Finance and Financial Sector
Issues
Housing

Summary
  • Requires the Secretary of Housing and Urban Development to reduce FHA single-family mortgage insurance premiums for first-time homebuyers who complete a financial literacy housing counseling program.
  • Sets the premium discount at 25 basis points lower than the standard premium amount established by the Secretary.
  • Requires that financial literacy housing counseling programs be completed before the mortgagor signs a mortgage application or sales agreement to qualify for the discount.

AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.

Sponsor (1)
33 cosponsors

Money behind the sponsor

Top reported contributors to Joyce Beatty’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.

  • ALIGNMENT GOVERNMENT STRATEGIES $8,000
  • APOLLO GLOBAL MANAGEMENT $6,800
  • LIMITED BRANDS $6,600
  • APOLLO GLOBAL $6,600
  • THE OHIO STATE UNIVERSITY $6,600

Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Joyce Beatty → · Outside spending →

Actions (2)
  1. Nov 19, 2025 Referred to the House Committee on Financial Services. · house
  2. Nov 19, 2025 Introduced in House

Similar bills (6)

Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.

  • S 4861 — Housing Financial Literacy Act of 2026 · Introduced Jun 23, 2026 · Cong. 119 95%
  • HR 6774 — FHA Small-Dollar Mortgages Act · Introduced Dec 17, 2025 · Cong. 119 68%
  • HR 6726 — To amend the Housing and Urban Development Act of 1968 to provide reforms to housing counseling and financial literacy programs. · Introduced Dec 15, 2025 · Cong. 119 68%
  • HR 5508 — Mortgage Insurance Freedom Act · Introduced Sep 19, 2025 · Cong. 119 68%
  • HR 8292 — Original Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act · Introduced Apr 15, 2026 · Cong. 119 68%
  • HR 8318 — Original Additional Credit FHA Pilot Program Authorization Act · Introduced Apr 16, 2026 · Cong. 119 66%

Text versions (1)
  • Introduced in House · Nov 19, 2025

Only one text version is on file, so there’s no earlier version to compare against yet.

Full text

IN THE HOUSE OF REPRESENTATIVES

November 19, 2025

Mrs. Beatty (for herself, Mr. Carey, Ms. Adams, Mr. Bishop, Mr. Carson, Mr. Case, Ms. Clarke of New York, Mr. Cleaver, Mr. Cohen, Ms. Craig, Mr. Davis of North Carolina, Mr. Evans of Pennsylvania, Mr. Fields, Mrs. Hayes, Mr. Johnson of Georgia, Ms. Johnson of Texas, Ms. Kelly of Illinois, Mr. Krishnamoorthi, Mr. Mannion, Ms. McBride, Mr. Meeks, Ms. Moore of Wisconsin, Mr. Mullin, Ms. Norton, Mr. David Scott of Georgia, Mr. Smith of Washington, Mr. Thanedar, Mr. Thompson of Mississippi, and Ms. Tokuda) introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To require the Secretary of Housing and Urban Development to discount FHA single-family mortgage insurance premium payments for first-time homebuyers who complete a financial literacy housing counseling program.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the “Housing Financial Literacy Act of 2025”.

SEC. 2. DISCOUNT ON MORTGAGE INSURANCE PREMIUM PAYMENTS FOR FIRST-TIME HOMEBUYERS WHO COMPLETE FINANCIAL LITERACY HOUSING COUNSELING PROGRAMS.

The second sentence of subparagraph (A) of section 203(c)(2) of the National Housing Act (12 U.S.C. 1709(c)(2)(A)) is amended—

(1) by inserting before the comma the following: “and such program is completed before the mortgagor has signed an application for a mortgage to be insured under this title or a sales agreement”; and

(2) by striking “not exceed 2.75 percent of the amount of the original insured principal obligation of the mortgage” and inserting “be 25 basis points lower than the premium payment amount established by the Secretary under the first sentence of this subparagraph”. <all>

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