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CalHFA Disaster Rebuilding Assistance Program - DRAP

Housing & ShelterHomeownership Support
CalHFA's $100 million Disaster Rebuilding Assistance Program (DRAP) helps eligible California homeowners obtain construction financing to rebuild homes damaged or destroyed by qualified disasters, including the 2025 Los Angeles wildfires. The program works through approved participating lenders and provides tools including construction-loan interest-rate buydowns and a construction-loan loss guarantee designed to improve access to construction and renovation financing. Homeowners do not apply directly to CalHFA; they contact an approved DRAP lender to determine eligibility and available loan options.

About

  • CalHFA's $100 million Disaster Rebuilding Assistance Program (DRAP) helps eligible California homeowners obtain construction financing to rebuild homes damaged or destroyed by qualified disasters, including the 2025 Los Angeles wildfires. The program works through approved participating lenders and provides tools including construction-loan interest-rate buydowns and a construction-loan loss guarantee designed to improve access to construction and renovation financing. Homeowners do not apply directly to CalHFA; they contact an approved DRAP lender to determine eligibility and available loan options.

Eligibility — Residency

  • Homeowner must currently own an eligible property in California.
  • Property must have been the applicant's primary residence at the time of the disaster.
  • Applicant must intend to live in the rebuilt property as their primary residence within 60 days after construction is complete.

Eligibility — Other

  • Home must be damaged or destroyed by a qualified disaster in the program's current disaster-date window.
  • Home must have been damaged or destroyed by a qualified California disaster.

Eligibility — Income

  • Household income must meet DRAP county income limits.

Eligibility — Housing

  • Property must be an eligible type: single-family home, Planned Unit Development (PUD), individual condominium unit, 1-4 unit property, Accessory Dwelling Unit (ADU), or a manufactured home permanently affixed to real property where the borrower owns the land.

Benefits

  • Varies based on construction loan amount, loan structure, interest rate, and other factors. (One-time)
  • Construction Financing / Loan Affordability Assistance

Documents needed

  • Borrower/lender process is published. Required underwriting and disaster-property records include loan underwriting/1003
  • credit report
  • title
  • proof of owner occupancy
  • disaster-damage verification
  • and the DRAP Borrower Affidavit; additional construction/loan documents vary by component.
  • Pay stubs
  • Bank statements
  • Employment history
  • Previous tax returns

How to apply

  • online
  • in-person through participating lenders
  • in-person
  • phone
  • Processing time: Processing times vary by lender and by the complexity of the construction project. Ask the participating lender for its current estimated timeline.
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