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Keep Your Home California

The state of California was awarded $2 billion dollars to help homeowners who are facing foreclosure. (KYHC) Keep Your Home California was created to administer the funds to homeowners in need.  Find out if the Keep Your Home California program is an option for you. Project Sentinel Housing Counselors can help determine eligibility and assist with applying for one or more of the KYHC programs.

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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 eighteen months. The maximum assistance per household is $54,000.

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Mortgage Reinstatement Assistance

The Mortgage Reinstatement Assistance Program provides assistance to eligible homeowners who, because of a financial hardship, have fallen behind on their payments and need help to reinstate their past due first mortgage loan. Benefit assistance through MRAP can be a one time payment of up to $54,000 to cover principal, interest, taxes and insurance, as well as any homeowner’s association dues.

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Principal Reduction Plan

The Principal Reduction Program provides assistance to eligible homeowners who have experienced an economic hardship making their payment unaffordable or having a severe decline in the home’s value. Homeowners who qualify for the PRP could be eligible for up to $100,000 in assistance from Keep Your Home California.

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Transition Assistance Plan

The Transition Assistance Program provides one-time funds to help eligible homeowners relocate into a new housing situation after executing a short sale or deed-in-lieu of foreclosure. The TAP can provide up to $5,000 in transition assistance per household.

For further information or to apply to this program, please call our office at 408-470-3730 or 1-888-324-7468 ext. 8014 or send an email to

This site complies with the applicable regulations under Section 508 of the federal Rehabilitation Act.
For further information email: or call 888-324-7468. TTY 7-1-1.