Housing Financial Literacy Act of 2025

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6125 Introduced in House (IH)]

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119th CONGRESS
  1st Session
                                H. R. 6125

 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.


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                    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''.
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