Keep Your Home California

Keep Your Home California 

Keep Your Home California was established under the US Treasury Department's Hardest Hid Fund. As part of this federal fund, California was allocated $2.36 billion to help eligible homeowners avoid preventable foreclosures. So far, the program has provided assistance to more than 67,000 California households, each facing a serious financial hardship.

There are five unique programs collectively called Keep Your Home California, all designed to address different aspects of the foreclosure crisis. Homeowners must meet eligibility criteria in order to qualify for assistance, and all Keep Your Home California services are provided free of charge. For more information, please go to

Are You Eligible?
It only takes a few minutes to find which of the programs can help you best by clicking this link:

Unemployment Mortgage Assistance
For eligible unemployed homeowners.
Mortgage assistance of up to 18 months at no more than $3,000 per month for unemployed homeowners who are collecting or approved to receive unemployment benefits from the State of California's Employment Development Department (EDD), for a maximum benefit of $54,000.

Mortgage Reinstatement Assistance Program
For eligible homeowners who have fallen behind on their mortgage payments. Funding of up to $54,000 to help qualified homeowners catch up on their mortgage payments.

Principal Reduction Program
For eligible homeowners who have suffered a financial hardship and owe more than their home is worth and/or have an unaffordable payment. Financial assistance to help pay down the principal balance of the first mortgage loan and allow for a more affordable monthly payment, for a maximum benefit of up to $100,000.

Transition Assistance Program
For eligible homeowners who are undergoing a short sale or deed-in-lieu of foreclosure program. Financial help up to $5,000 to make a smooth transition into stable and affordable housing.

Reverse Mortgage Assistance Pilot Program
For eligible senior homeowners who have fallen behind on property expenses associated with their Home Equity Conversion Mortgage (HECM) loan. Funding up to $25,000 to help qualified senior homeowners reinstate past due property expenses and provide an advance for future expenses up to an additional twelve (12) months.