H.R. 6125

[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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