CalAssist Mortgage Fund Program

In response to recent disasters around the state, Governor Newsom announced on June 5, 2025 that CalHFA will administer the CalAssist Mortgage Fund. CalHFA is using National Mortgage Settlement funds to deliver mortgage relief to families devastated by recent California disasters, providing critical breathing room for those whose homes are destroyed or severely damaged to the point they have been deemed uninhabitable – with a total of $105 million available.

Interested homeowners should sign up for CalAssist eNews Updates to stay informed.

CalAssist Mortgage Fund Expands Eligibility for Homeowners

The CalAssist Mortgage Fund has expanded eligibility, allowing homeowners with multiple properties, including commercial and residential, to qualify for up to one year of mortgage payments to help put them on the road to recovery. Eligible homeowners must still meet the program’s income limits and other program terms. Assistance is available for your primary residence. Secondary homes, vacation properties, and investment properties are not eligible for assistance.

CalHFA continually assesses the needs for homeowners recovering from disaster, first prioritizing the most vulnerable homeowners and subsequently adjusting the program eligibility to address the needs of homeowners still dealing with the effects for their home’s destruction or damage.

Additionally, the program is also offering eligible homeowners with Home Equity Lines of Credit (HELOC), who do not have another mortgage ahead of their HELOC, the opportunity to apply for funds.

Also, the CalAssist Mortgage Fund updated its income limits to align with the California Department of Housing and Community Development’s annual income adjustments. For example, the income limit for Los Angeles County increased to $285,400. A list of income limits by county can be found on the CalAssist Mortgage Fund website.

We encourage homeowners to apply immediately as funds are limited, and applications are reviewed in the order received. Applying is free, and funds never have to be repaid.

More Help for More Homeowners

Homeowners with multiple properties, including commercial and residential, can receive assistance for their primary residence.
Homeowners with a HELOC, who do not have another mortgage ahead of their HELOC, may qualify for assistance.
Eligible homeowners can receive up to 12 months of mortgage payments, paid directly to the mortgage servicer.
Help is available if homeowners are current on their mortgage, in forbearance, or behind on payments.

By delivering direct mortgage relief, the program gives homeowners a lifeline and supports long-term community recovery.

Applying is simple, free, and done entirely online. Funds are limited, so we encourage interested homeowners to apply today while funds are still available. Learn more at CalAssist Mortgage Fund.

Real Help for Californians

This program has already helped many homeowners, including Sonia Linares from Altadena:

CalAssist Mortgage Fund: Linares Altadena testimonial

Homeowner Sonia Linares speaks about her experience losing her home in Altadena. (01:07)

"I recommend that people going through all of this apply for the program, because I did,” Linares said. “It was a relief and a significant help during this process — something I know many people need right now."

Aurora Barboza Flores told us:

"It's a huge relief. If you ask any Altadena resident who's rebuilding, any of us who have been displaced or lost our homes, the cost is really our biggest stressor. It's what we carry on our shoulders, what we go to sleep with, what we wake up with. That this decision was made at the state level tells us there is a conscious effort to help us rebuild."

Stories like this remind us how devastating disasters can be for families, and why supporting those in need is our top priority. Anyone affected by recent disasters is encouraged to apply.