- Introduction
- CalHFA FHA
- CalPLUS FHA
- CalPLUS FHA + Access
- CalHFA VA
- CalHFA USDA
- CalHFA Conventional
- CalPLUS Conventional
- CalPLUS Conventional + Access
- MyHome
- Disaster Rebuilding Assistance Program
Disaster Rebuilding Assistance Program
Program Eligibility | How to Apply | Documents Needed | Approved Lenders | Other Assistance
In response to recent disasters around the state, Governor Newsom proposed a Disaster Rebuilding Assistance Program to expand access to construction financing for disaster-impacted homeowners. California's Fiscal Year 2026-27 State Budget officially allocated funds for the program to CalHFA, which will launch in the coming months. The $100 million program will be providing mortgage lending tools to support eligible California homeowners looking to rebuild homes that were damaged or destroyed by a qualified disaster, such as the 2025 L.A. Wildfires.
Interested homeowners should sign up for DRAP Enews Updates
Program Eligibility
Review the guidelines below for both Borrower and Property Requirements to determine if you may be eligible to apply for the Disaster Rebuilding Assistance Program.
Borrower Requirements
- Homeowner must currently own an “Eligible Property” and have occupied it as their primary residence as of the date of the disaster.
- Homeowner must meet the “Income Eligibility Requirements.”
- Homeowner must intend to owner-occupy the property as their primary residence within 60 days of construction completion.
Property Requirements
- Single Family Properties
- Planned Unit Developments
- Individual Condominium Units
- 1-4 Unit Properties
- Accessory Dwelling Units
- Manufactured homes that are permanently affixed to real property and land owned by borrower.
How to Apply
How do I apply for this loan program?
Since CalHFA is not a direct lender, our mortgage products are offered through loan officers who have been approved & trained by our Agency. These loan officers can help you find out more about CalHFA’s programs and guide you through the home buying process.
Contact one of our Approved DRAP Lenders.
What documents should I have ready when contacting a loan officer?
When initially contacting a loan officer, you may want to have this list of documents and information available to help answer questions that they will ask you:.
- Pay stubs
- Bank statements
- Employment history
- Previous tax returns
Approved Construction Lenders
Guild Mortgage
Edward Winchester
Sr. Loan Officer
333 H St. Suite 5000, Chula Vista, 91910
M: 760.608.1869 | F: 619.516.8954
email: ewinchester@guildmortgage.net
NMLS #1117275 | Company NMLS #3274
Other Assistance
- For mortgage relief grants, visit the CalAssist Mortgage Fund page.
- For more housing help, visit the NMS Housing Counseling Program page.
Program Updates
Sign up for CalHFA eNews Program Updates
Latest Videos
Dream For All homeowners Tiffany Duvernay-Smith and her husband Thomas Smith share their heartfelt journey to buying their very first home.
Call Toll Free 877.9.CalHFA (877.922.5432)
