California Mortgage Relief Program (HAP), Homeowner Assistance Fund

California Mortgage Relief Program / CalHFA

Available Home Repair

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

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In San Diego, CA, you can combine this program with other local help to cut your cost:

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

Get free help applying Visit Official Program Page Track this program

1-888-840-2594

A grant-savvy contractor in San Diego, 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 San Diego early keeps your application moving.

Get matched with a contractor

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

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).
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 may be paused, check CaMortgageRelief.org for current status

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