California Mortgage Relief Program

California Housing Finance Agency

Waitlist Emergency Repair

About This Program

State program providing mortgage payment assistance to homeowners who experienced COVID-19 related financial hardship. Covers past-due mortgage payments, property taxes, insurance, and HOA fees. Program is currently closed but may reopen.

Grants to cover past-due mortgage payments and related costs

The cited general URL responded on 2026-07-21; it does not confirm this program or amount.

Record set last reviewed 2026-06-09. How we verify our data.

Other published resources for Folsom, CA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:

Key Details

  • Up to $80,000 for past-due mortgage payments
  • COVID-19 financial hardship required
  • Income at or below 150% AMI
  • Covers mortgage, taxes, insurance, HOA fees
  • Currently closed; check website for updates

How to Apply

Review possible next steps Open Cited Source Track this program

Program phone: (888) 840-2594

Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.

You may need a contractor or estimate

Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Folsom.

Get matched with a contractor

Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.

Your application paperwork

The California Mortgage Relief Program was a one-time federal Homeowner Assistance Fund grant run by the California Housing Finance Agency that covered past-due mortgage and property tax payments for homeowners hit by pandemic hardship. The program has ended and is no longer accepting applications or offering grants, so there is no current homeowner application form.

Steps to apply

  1. The program is closed. You can confirm this on the official site camortgagerelief.org, which states it is no longer accepting applications and no longer offering grants.
  2. If you are behind on your mortgage now, contact a free HUD-certified housing counselor through the Consumer Financial Protection Bureau at consumerfinance.gov/find-a-housing-counselor or call 1-855-411-2372.
  3. If your California home was destroyed or made uninhabitable by a qualified disaster, check the separate CalAssist Mortgage Fund, which is currently open. Apply online at calassistmortgagefund.org or see calhfa.ca.gov/CalAssist.
  4. Contact your loan servicer directly to ask about forbearance, a repayment plan, or a loan modification.
Get the official form

Documents you will likely need

  • Not applicable. This program is closed and no longer accepts applications.
  • If working with a HUD housing counselor: a recent mortgage statement
  • Recent income documentation such as pay stubs or tax returns
  • Recent bank statements
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Program closed to new applications; check for reopening

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Find More Programs in Folsom, CA

This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.

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