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.

Major Program Expansion: Eligible Homeowners Now Qualify for One Year of Mortgage Relief

The CalAssist Mortgage Fund has expanded mortgage relief for qualified disasters, including Los Angeles homeowners impacted by last year’s wildfires, offering eligible households a full year of mortgage assistance that does not need to be repaid. The expansion also increases income limits to allow more families to access this assistance.

Under the expanded program, eligible homeowners may receive 12 months of mortgage payments, paid directly to their mortgage servicers. Assistance is available to homeowners who are current on their mortgage, in forbearance, or behind on payments. Families who previously received three months of assistance will be offered additional support, bringing total assistance to a full year.

Key program eligibility criteria:

Homeowners whose primary residence is destroyed or severely damaged as the result of a qualified California disaster that occurred between Jan. 1, 2023, and Jan. 8, 2025
Applicants must meet the program’s updated income limits, which vary by county and can be found here. For example, in Los Angeles County, household incomes up to $281,400 may now be eligible.
Eligible properties include single-family homes, condos, or permanently affixed manufactured homes (up to 4 units).
Applicants must have a mortgage or a reverse mortgage.

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.