California Mortgage Relief Program

California Housing Finance Agency

Available Home Repair

About This Program

State program to help homeowners affected by COVID-19 pandemic catch up on missed mortgage payments, property taxes, insurance, HOA dues, and utilities. Available to California homeowners with income at or below 100% AMI who experienced financial hardship after January 2020.

Grant covers eligible past-due housing expenses up to $80,000 maximum

Official source site checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Up to $80,000 for past-due housing costs
  • Covers mortgage, taxes, insurance, utilities
  • Must have COVID-19 related financial hardship
  • Income at or below 100% AMI
  • No repayment required

How to Apply

Get free help applying Visit Official Program Page Track this program

(888) 840-2594

A grant-savvy contractor in Emeryville, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Emeryville early keeps your application moving.

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Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

The California Mortgage Relief Program was a one-time federal Homeowner Assistance Fund grant run by the California Housing Finance Agency that covered past-due mortgage and property tax payments for homeowners hit by pandemic hardship. The program has ended and is no longer accepting applications or offering grants, so there is no current homeowner application form.

Steps to apply

  1. The program is closed. You can confirm this on the official site camortgagerelief.org, which states it is no longer accepting applications and no longer offering grants.
  2. If you are behind on your mortgage now, contact a free HUD-certified housing counselor through the Consumer Financial Protection Bureau at consumerfinance.gov/find-a-housing-counselor or call 1-855-411-2372.
  3. If your California home was destroyed or made uninhabitable by a qualified disaster, check the separate CalAssist Mortgage Fund, which is currently open. Apply online at calassistmortgagefund.org or see calhfa.ca.gov/CalAssist.
  4. Contact your loan servicer directly to ask about forbearance, a repayment plan, or a loan modification.
Get the official form

Documents you will likely need

  • Not applicable. This program is closed and no longer accepts applications.
  • If working with a HUD housing counselor: a recent mortgage statement
  • Recent income documentation such as pay stubs or tax returns
  • Recent bank statements
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Applications accepted through December 31, 2025

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