The main purpose of this legislation, known as the Housing Financial Literacy Act of 2025, is to make homeownership more accessible for first-time buyers. It aims to encourage these buyers to complete a financial literacy housing counseling program by offering them a discount on their mortgage insurance premiums. The key provisions of this law require the Secretary of Housing and Urban Development to provide a discount on Federal Housing Administration (FHA) single-family mortgage insurance premiums for first-time homebuyers who successfully complete a financial literacy counseling program.