ReCoverCA Homebuyer Assistance Program
Helping Low- to Moderate-Income Households Purchase Homes in Areas with Lower Disaster Risk
The ReCoverCA Homebuyer Assistance (HBA) Program provides down payment and closing cost assistance to individuals and families who were living in areas impacted by declared California fire and flood disasters. The program is designed to support low- to moderate-income households who may face limited housing choices after a disaster and to help them purchase homes in areas with lower risk of future fire and flood events.
Program Features
- Down payment and closing cost assistance of up to $350,000, depending on the funding allocation
- A zero-interest loan forgiven over time when program requirements are met
- Support for purchasing a primary residence in areas of California with lower fire and flood risk
- Access through participating lenders, many offering services in multiple languages
Who It's For
- Low- to moderate-income (LMI) households
- Households purchasing a primary residence in California
- Households who lived in a qualifying disaster area at the time of a declared fire or flood event
- Households that may have fewer financial resources or housing options following a disaster
Current Funding
Select a disaster recovery allocation below to learn more about qualifying areas, program policies, applicant eligibility and how to get started.
Provides up to $350,000 in homebuyer assistance for income-eligible households who lived in qualifying areas impacted by the 2017 California wildfires, including Sonoma and Ventura Counties and select ZIP codes in Santa Barbara, Lake, Mendocino, Napa, and Yuba Counties.
Provides up to $350,000 in homebuyer assistance for income-eligible households who lived in qualifying areas impacted by the 2018 California wildfires, including Butte, Lake, Los Angeles, and Shasta Counties.
Provides up to $300,000 in homebuyer assistance for income-eligible households who lived in qualifying areas impacted by the 2023 and 2024 California floods, including the Hoopa Valley Tribe (ZIP 95546), Monterey, San Benito, Santa Cruz, Tulare, Tuolumne, and San Diego Counties.
(1)This web page contains general program information, is not an offer for extension of credit nor a commitment to lend and is subject to change without notice. Complete program policies, eligibility requirements, loan applications, interest rates and annual percentage rates (APRs) are available through ReCoverCA HBA Lenders.
The ReCoverCA Homebuyer Assistance (DR-HBA) Program is provided by the California Department of Housing and Community Development (HCD) in collaboration with GSFA as Program Manager. Funding for the Program is made possible through a Community Development Block Grant - Disaster Recovery (CDBG-DR) grant from HUD.
Testimonials
We received over $339,000 in assistance!
I was excited at the prospect of being able to purchase a new home. But I was also skeptical, as it sounded too good to be true. But it turned out to be exactly as my son had described it. And by the grace of God and the Recover California Homebuyer Assistance Program, I am now a proud homeowner! We received over $339,000 in ASSISTANCE! WOW! I am still pinching myself to make sure it's real. We closed escrow in October and couldn't be happier. This was one of the happiest days of my life. I would highly recommend this program to anyone considering it.
Richard MeyerShasta County, February 2025
ReCoverCA HBA Program
I would highly recommend this program to others.
We were evacuated for a wildfire, and it was a very traumatic experience for our family... The forgivable grant we received literally made all the difference in the world! We feel so much safer and secure, and the grant made homeownership possible for us where it would not have been otherwise. We were able to find a house that accommodates our growing family, in a far less fire-prone area with nearby fire protection, in a very nice, low-crime neighborhood.
Raymon CurtisShasta County, November 2025
ReCoverCA HBA Program
It’s hard to describe the joy of achieving something we never thought possible.
Living in Napa Valley, wildfires have always been a looming fear. Thanks to RecoverCA, we were able to buy a home in a safer, low-fire-risk area, allowing us to finally feel a sense of security. The peace of mind that comes with knowing we are in a safer place for our growing family is truly invaluable.
Natalie Sheehe & Richard Sheehe IIINapa County, March 2025
ReCoverCA HBA Program
It felt like a heavy weight was lifted.
Thanks to the ReCoverCA program, I am now the proud owner of a gorgeous new home in Chico, California. Because of this program, I was not only able to afford a home outside of the high fire danger area, but a home with the most up to date fire prevention possible. Even as a single income family.
Mary and James BunnButte County, February 2025
ReCoverCA HBA Program