Up to $36,000 Available to Help Unemployed California Homeowners Pay Their Mortgage.

Unemployment Mortgage Assistance

The Unemployment Mortgage Assistance Program provides mortgage payment assistance to eligible homeowners who have experienced an involuntary job loss and are receiving California EDD unemployment benefits.

Benefit assistance through UMA can be up to $3,000 per month and can last up to twelve (12) months.

The maximum assistance per household is $36,000.

The Unemployment Mortgage Assistance Program (“UMA”) is one of CalHFA MAC’s federally-funded programs developed to provide temporary financial assistance to eligible California homeowners who wish to remain in their homes, but have suffered a loss of income due to unemployment or underemployment.


Program Eligibility and Highlights*

  • Up to $36,000.00 per household in assistance.
  • Homeowner must qualify as a low-to-moderate income household.**
  • Homeowners who have recently encountered a financial hardship due to their military service are eligible.
  • Homeowner’s total monthly first-lien mortgage payment PITI (principal,interest, taxes, and insurance, as applicable) and escrowed association fees must exceed 31 percent of the homeowner’s gross monthly household income, excluding unemployment benefits.
  • Homeowner must agree to provide all necessary documentation to satisfy program guidelines established by CalHFA MAC.
  • Homeowner must be currently receiving California Employment Development Department unemployment benefits, and includes homeowners whose unemployment benefits lapsed or expired within 30 days of the request for UMA assistance.

Property and Loan Eligibility Requirements

  • Current unpaid principle balance ("UPB") of the first lien mortgage loan cannot be greater than $729,750.
  • The property securing the mortgage loan must not be abandoned, vacant or condemned.
  • The applicant must own and occupy the property.
  • The property must be the applicant's primary residence.
  • The property must be a single family, 1-4 unit attached or detached house or condominium. (Mobile homes are eligible if they are permanently affixed to the real property that is secured by the first lien.)
  • The property must be located in California.

Program Exclusions

  • A Notice of Default (“NOD”) has been recorded on the subject property more than 60 days prior to the date of request for UMA assistance.
  • Homeowner in an “active” bankruptcy is ineligible for program assistance consideration. Homeowners who have previously filed bankruptcy are eligible for consideration with proof of court order “Dismissal” or “Discharge”.
  • Homeowner’s “hardship” is a result of voluntary resignation of employment.
  • Homeowner in an active HAMP trial modification is not eligible for UMA consideration unless the trial is cancelled.
  • Homeowner becomes fully employed at any time during the UMA benefit period.
  • Homeowner is actively being reviewed for TAP benefits.

Program Flyers
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HomeStrong USA is an approved provider of Keep Your Home California's Transition Assistance Program.

* General program eligibility is determined by CalHFA MAC, the housing counselor or servicer based on information received from the homeowner. Program-specific eligibility is determined by CalHFA MAC on a first-come/, first-approved basis until program funds and funding reserves have been exhausted. Loan servicer will implement the HHF program based on participation agreement terms and conditions. Funding allocation will be tracked, monitored and performed by CalHFA MAC in a centralized processing operation.

** Low-to-moderate income of 120% or less of HCD Area Median Income (as defined by the California State Department of Housing and Community Development), for a family of four, in the county where the homeowner resides.