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US HB6125
Bill
Status
11/19/2025
Primary Sponsor
Joyce Beatty
Click for details
AI Summary
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First-time homebuyers who complete a HUD-approved financial literacy housing counseling program receive a 25 basis point reduction on FHA single-family mortgage insurance premiums
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Counseling program must be completed before the borrower signs a mortgage application or sales agreement to qualify for the discount
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Amends Section 203(c)(2) of the National Housing Act (12 U.S.C. 1709) governing FHA mortgage insurance premium calculations
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Introduced November 19, 2025 by Rep. Beatty with 28 bipartisan cosponsors and referred to the House Committee on Financial Services
Legislative Description
Housing Financial Literacy Act of 2025
Finance and financial sector
Last Action
Referred to the House Committee on Financial Services.
11/19/2025