California Mortgage Relief Program

The California Mortgage Relief Program has provided grants to thousands of eligible homeowners to ease their financial hardships that resulted from the COVID-19 pandemic. Funds do not have to be paid back and the program is free.

The California Mortgage Relief Program is funded by the 2021 American Rescue Plan Act’s Homeowner Assistance Fund. It provides up to $80,000 in assistance to eligible homeowners to help with:

  • Past-due mortgage payments
  • Missed property taxes
  • Partial claims and loan deferrals taken during or after January 2020
  • Reverse mortgage arrearages

This state program is operated by the CalHFA Homeowner Relief Corporation.

Applicants must meet the eligibility criteria outlined below in order to qualify for program assistance. Additional details can be found in the U.S. Treasury- approved term sheets.

Households are allowed to apply for additional assistance, even if they already received funding, up to a maximum of $80,000 in total assistance. Applicants must meet all other requirements when submitting a new application. Only one active application may be in process at a time.

Applicants who do not meet eligibility criteria should contact a HUD-certified housing counselor to explore other options that may be available. Click here to find a HUD-certified housing counselor near you.

For more information on eligibility and available funding, visit the California Mortgage Program HERE