Who is Eligible

Applicants must meet the eligibility criteria outlined below in order to qualify for program assistance. Additional details can be found in the U.S. Treasury- approved term sheets.

Households are allowed to apply for additional assistance, even if they already received funding, up to a maximum of $80,000 in total assistance. Applicants must meet all other requirements when submitting a new application. Only one active application may be in process at a time.

Applicants who do not meet eligibility criteria 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.

NEW: The California Mortgage Relief Program has expanded to provide assistance with existing partial claims or loan deferrals received during or after January 2020.

Available Funding

Program Eligibility

Required Documents

Available Funding

* Maximum assistance per household: $80,000

* Multiple assistance types allowed

MORTGAGE

RELIEF

Up to $80,000 for past-due mortgage payments

PARTIAL CLAIM/

LOAN DEFERRAL

Up to $80,000 to reduce or eliminate an existing partial claim or loan deferral received during or after January 2020
More Information

PROPERTY

TAXES

Up to $80,000 for delinquent property taxes

REVERSE

MORTGAGE

Up to $80,000 to help with late taxes and homewners insurance for reverse mortgages

Program Eligibility

Applicants must meet the eligibility criteria outlined below in order to qualify for program assistance. Applicants who do not meet the criteria below should contact a HUD-certified housing counselor to explore other options that may be available.

X

Requirements

Mortgage Relief

Property tax

Reverse Mortgage

Partial Claim/Loan Deferral

The Basics

MR

PT

RM

PC/LD

Multiple funding awards/applications for qualified applicants, up to $80,000 in maximum assistance. X X X X
Must have faced a pandemic-related financial hardship after January 21, 2020 *The attestation must describe the nature of the financial hardship
X X X X
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.
X X X
Reduce or eliminate an existing partial claim and loan deferral received during or after Jan. 2020 (mortgage must be current). X

Financial

MR

PT

RM

PC/LD

Combined household income for residents 18 and over must be at or below 150% AMI (by county) Click here to check your AMI. X X X X
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 X X X X
The 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 and found here) in effect at time of origination.
X X X
Existing partial claims or loan deferrals that went into effect during or after January 2020 (partial claims or loan deferrals that were eliminated through a refinanced mortgage are not eligible for assistance) X

Property

MR

PT

RM

PC/LD

Homeowner must currently own and occupy the property in California as their primary residence. X X X X
Property may include up to 4 units on site (House, condo, permanently affixed manufactured home, ADU, duplex, four-plex). X X X X

Delinquency

MR

PT

RM

PC/LD

Must have missed at least 2 payments by February 1, 2024, and are currently behind.

X

Must have missed at least 1 payment by February 1, 2024.

X

Required Documents

Depending on their unique circumstances, some applicants will have to provide different kinds of information. A sample list of documents to gather before completing the application includes:

      • Mortgage Statement
      • Bank Statement
      • Utility Bill
      • Income documentation (i.e. pay stubs, tax returns, or unemployment document)