California Mortgage Relief Program (HAP), Homeowner Assistance Fund
California Mortgage Relief Program / CalHFA
About This Program
California's Mortgage Relief Program (federally funded Homeowner Assistance Fund) provided grants of up to $80,000 to help homeowners who fell behind on mortgage payments, property taxes, or HOA dues due to COVID-19-related financial hardship. While primary funding rounds have closed, residual funding may still be available for some applicants. Check the CalHFA website for current status. Income must be at or below 150% of the Area Median Income.
Income at or below 150% AMI; must have experienced COVID-related hardship; primary residence only; check CaMortgageRelief.org for whether applications are still accepted
The cited general URL responded on 2026-07-21; it does not confirm this program or amount.
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for San Diego, CA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- SDHC Housing Rehabilitation Program, Home Repair Grant Up to $15,000 grant for emergency/accessibility repairs
- SDHC ADU Finance Program Up to $250,000 construction-to-permanent loan at 1%-4% fixed
- SDHC First-Time Homebuyer Program, Low Income Up to 19% of purchase price (max ~$125,000 loan) + $10,000 closing cost grant
- SDHC First-Time Homebuyer Program, Middle Income $40,000 deferred loan + $10,000 closing cost grant
Key Details
- Grants up to $80,000 for past-due mortgage, property taxes, or HOA dues
- COVID-19-related financial hardship required
- Income at or below 150% AMI; primary residence only
- Primary funding rounds may be closed, check CaMortgageRelief.org
- Call 1-888-840-2594 for current availability
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in San Diego.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Applications may be paused, check CaMortgageRelief.org for current status
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Find More Programs in San Diego, CA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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