California Mortgage Relief Program

Falling behind on your housing payments? You’re not alone. Help is here for California homeowners.

What is the California Mortgage Relief Program?

The California Mortgage Relief Program uses federal Homeowner Assistance Funds to help homeowners get caught up on their housing payments. The program is absolutely free and the funds do not need to be repaid.

The California Mortgage Relief Program is part of the state’s Housing is Key initiative.

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To find out if you might meet income requirements, enter your information below.


People in Household

If an applicant's household income is at or below this amount, you may be eligible for the California Mortgage Relief Program

The program is open to all eligible Californians who are currently experiencing pandemic-related hardships and have fallen behind on their housing payments.

Eligible applicants must be at or below 100% of their county’s Area Median Income, own a single-family home, condo or permanently affixed manufactured home and have faced a pandemic-related financial hardship after January 21, 2020, and also meet at least one of the following qualifications:

Receiving public assistance;

Severely housing burdened; or

Have no alternative mortgage workout options through your mortgage servicer.

Click here to see details about eligibility requirements.

How to Apply

If you think you might be eligible for the program, click here to check your eligibility and apply.

If you need assistance with your application or have questions about your eligibility, please contact your mortgage servicer or a HUD-certified housing counselor at 1-800-569-4287.

If you’re behind on your mortgage, don’t panic!

Even if the foreclosure process has started, it can often take several months before your home is foreclosed. You may still have time to seek help.

To learn more about the foreclosure process, visit California’s Housing Is Key website.

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Other Financial Assistance

For renters who need help making their monthly payments or for small landlords, help is available through California’s COVID-19 rent relief program, Housing Is Key.

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For more information about the different types of financial help available through the state of California, visit

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