California Mortgage Relief Program

California Housing Finance Agency (CalHFA)

Available Home Repair

About This Program

State program to help homeowners facing financial hardship to catch up on past-due mortgage payments, property taxes, insurance, HOA dues, and utilities. Available to homeowners at or below 150% Area Median Income who experienced financial hardship after January 2020.

Average assistance is approximately $35,000 toward arrearages

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 to catch up on mortgage and housing costs
  • Covers past-due mortgage, property taxes, insurance, HOA
  • Income at or below 150% AMI required
  • Must show COVID-19 related financial hardship
  • No repayment required if you stay in home

How to Apply

Get free help applying Visit Official Program Page Track this program

(888) 840-2594

A grant-savvy contractor in Oroville, 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 Oroville 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: Accepting applications through June 30, 2026

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