Who is Eligible

Applicants must meet the eligibility criteria outlined below in order to qualify for program assistance. To view the U.S. Treasury- approved term sheets, click here.

Households are allowed to apply for additional assistance, even if they previously received funding, with each household eligible to receive a maximum of $80,000 in total assistance. The household must meet all other requirements for additional support at the time of the new application. Applicants may only have one active application in the review process at a time.

Applicants who do not meet the criteria below 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.

COMING SOON:  The California Mortgage Relief Program will soon expand to provide assistance with COVID-related loan deferrals or partial claim second mortgages.

ELIGIBILITY REQUIREMENTS

MORTGAGE RELIEF

Maximum grant amount

$80,000

Must meet
ALL requirements

PROPERTY TAX RELIEF

Maximum grant amount

$20,000

Must meet
ALL requirements

THE BASICS:

Must have faced a Qualified Financial Hardship due to COVID-19 after January 21, 2020.

*The attestation must describe the nature of the financial hardship.

For mortgage relief, homeowner’s mortgage/loan servicer must be participating in the California Mortgage Relief Program.

A list of participating mortgage servicers can be found here.

Must have faced a Qualified Financial Hardship due to COVID-19 after January 21, 2020.

*The attestation must describe the nature of the financial hardship.

 FINANCIAL:

Combined income of all household members over the age 18 is at or below 150% of the Area Median Income (AMI).

Click here to check your AMI.

Homeowners cannot have cash or assets on hand (excluding savings in a retirement account) that is equal to or greater than the relief funds needed + $20,000.

For example, homeowners needing $30,000 to get caught up on their mortgage will be ineligible if they have $50,000 or more in cash or assets).

The original, unpaid principal balance of the homeowner’s primary mortgage loan, at the time of origination, cannot be greater than the “conforming loan limit” (as determined under the provisions of the Housing and Economic Recovery Act of 2008) in effect at time of origination.

To find data on conforming loan limits,  click here and then open the chart that corresponds to the year you first secured or last re-financed your mortgage. In that year’s chart, you can find the conforming loan limit by locating your county of residence and property type. If you need assistance, please call the Contact Center at 1-888-840-2594.

Combined income of all household members over the age 18 is at or below 150% of the Area Median Income (AMI).

Click here to check your AMI.

Homeowners cannot have cash or assets on hand (excluding savings in a retirement account) that is equal to or greater than the relief funds needed + $20,000.

For example, homeowners needing $10,000 to get caught up on their property tax payments will be ineligible if they have $30,000 or more in cash or assets).

 PROPERTY:

Own and live in a single family home, condo, permanently affixed manufactured home or property with up to four units.
Homeowner must currently own and occupy the property in California as their primary residence.
Homeowner may only own and occupy one property.
 Own and live in a single family home, condo, permanently affixed manufactured home or property with up to four units.
Homeowner must currently own and occupy the property in California as their primary residence.
Homeowner may only own and occupy one property.

 DELINQUENCY:

For mortgage relief, homeowner must be at least two payments past-due by December 1, 2022 are currently delinquent.

For mortgage relief, past-due amount must be $80,000 or less at the time of application submission.

For property tax assistance, homeowner must be at least one payment past-due by May 31, 2022.