family picture

California Mortgage Relief Program

While the COVID-19 pandemic has affected millions of Americans and created turmoil for homeowners, California is on track to receive $1 billion in mortgage relief funds from the American Rescue Plan Act’s Homeowner Assistance Fund. Homeowners who have fallen behind on their mortgage payments due to pandemic-related financial hardship can use these funds to get caught up.

The California Mortgage Relief Program will be provided to homeowners through CalHFA Homeowner Relief Corporation as part of the state’s Housing is Key initiative.

house is key logo
program status bullet


California has submitted its Mortgage Relief Program plan to the U.S. Treasury for review and approval.

The state expects to open an online application for the full program shortly after funding has been received from the U.S. Treasury.

Program Summary

(pending U.S. Treasury approval)
program focus bullet


Provide grants to eligible California homeowners to repay missed mortgage payments during the COVID-19 pandemic.

20,000 - 40,000 homes to be served (estimated)
Up to $80,000 available, per home

program focus bullet


Californians at or below 100% of their county’s Area Median Income, who own a single-family home, condo or manufactured home (permanently affixed) and faced a pandemic-related financial hardship after Jan. 21, 2020, and meet one of the following qualifications:

  • Receiving public assistance;
  • Severely housing burdened; or
  • Have no alternative mortgage workout options through your mortgage servicer

Find out if you might meet income requirements by entering the information below.

*Data taken from the U.S. Department of Housing and Urban Development’s 2021 Homeowner Assistance Fund Income Limits by county

How to Apply

(once the program is launched)
apply process

Sample list of documents to gather before completing the application:

  • Mortgage statement
  • Bank statements
  • Utility bill
  • Income documentation (i.e. paystubs, tax returns, or unemployment document)

Depending on your specific circumstance, other documents may be required.

dad and children picture

For Immediate Assistance

While this program is still under development, there are options for immediate assistance.

To discuss options including mortgage workout strategies:

To review current protections already in place:

Stay Informed

Check back on this web page.

hands on keyboard picture



* This session included a Native American Tribes and Indian Country focus.
warning icon

Beware of fraud or misrepresentation of the California Mortgage Relief Program.

The Program is not yet accepting applications and will never ask you to pay a fee to apply or get information. If you suspect fraud or misrepresentation of the California Mortgage Relief Program by a real estate broker or salesperson, call the California Department of Real Estate at 877-373-4542. If you believe your mortgage servicer is acting unlawfully, contact the Department of Financial Protection and Innovation through email at [email protected]

application form icon

For questions, please email [email protected]