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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.
Summary
This bill would require the Secretary of Housing and Urban Development to provide a discount on FHA mortgage insurance premium payments for first-time homebuyers who complete a financial literacy housing counseling program. The discount would be 25 basis points (0.25 percent) lower than the standard mortgage insurance premium rate established by the Secretary. The financial literacy counseling program must be completed before the homebuyer signs a mortgage application or sales agreement. The discount applies only to FHA single-family mortgages and only to borrowers purchasing a home for the first time.
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)
- Rep. Beatty, Joyce [D-OH-3] (D-OH)
33 cosponsors
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC)
- Rep. Adams, Alma S. [D-NC-12] (D-NC)
- Rep. Bishop, Sanford D. [D-GA-2] (D-GA)
- Rep. Carey, Mike [R-OH-15] (R-OH)
- Rep. Carson, André [D-IN-7] (D-IN)
- Rep. Case, Ed [D-HI-1] (D-HI)
- Rep. Clarke, Yvette D. [D-NY-9] (D-NY)
- Rep. Cleaver, Emanuel [D-MO-5] (D-MO)
- Rep. Cohen, Steve [D-TN-9] (D-TN)
- Rep. Correa, J. Luis [D-CA-46] (D-CA)
- Rep. Craig, Angie [D-MN-2] (D-MN)
- Rep. Davis, Donald G. [D-NC-1] (D-NC)
- Rep. Evans, Dwight [D-PA-3] (D-PA)
- Rep. Fields, Cleo [D-LA-6] (D-LA)
- Rep. Hayes, Jahana [D-CT-5] (D-CT)
- Rep. Houlahan, Chrissy [D-PA-6] (D-PA)
- Rep. Johnson, Henry C. "Hank" [D-GA-4] (D-GA)
- Rep. Johnson, Julie [D-TX-32] (D-TX)
- Rep. Kelly, Robin L. [D-IL-2] (D-IL)
- Rep. Krishnamoorthi, Raja [D-IL-8] (D-IL)
- Rep. Mannion, John W. [D-NY-22] (D-NY)
- Rep. McBride, Sarah [D-DE-At Large] (D-DE)
- Rep. Meeks, Gregory W. [D-NY-5] (D-NY)
- Rep. Moore, Gwen [D-WI-4] (D-WI)
- Rep. Mullin, Kevin [D-CA-15] (D-CA)
- Rep. Scott, David [D-GA-13] (D-GA)
- Rep. Smith, Adam [D-WA-9] (D-WA)
- Rep. Stevens, Haley M. [D-MI-11] (D-MI)
- Rep. Subramanyam, Suhas [D-VA-10] (D-VA)
- Rep. Thanedar, Shri [D-MI-13] (D-MI)
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS)
- Rep. Titus, Dina [D-NV-1] (D-NV)
- Rep. Tokuda, Jill N. [D-HI-2] (D-HI)
Actions (2)
- Nov 19, 2025 Referred to the House Committee on Financial Services. · house
- Nov 19, 2025 Introduced in House
Similar bills (6)
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Text versions (1)
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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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