Programs and Financial Assistance

Financial assistance takes the form of forgivable loans or non-repayable contributions, and can be used to fund repairs, renovations, accessibility modifications, the creation of low-income rental units, and home adaptations.

In September 2008, the Government of Canada announced $1.9 billion, over five years, for housing and homelessness programs for low-income Canadians. As part of this investment, the renovations programs were extended for two years, until March 31, 2011.

These programs are available for low-income households, seniors, and persons with disabilities and are cost-shared and delivered by Provinces and Territories in most jurisdictions.

Financial Assistance for Homeowners:

Homeowner Residential Rehabilitation Assistance Program — Homeowner RRAP
Financial assistance to low-income homeowners for mandatory home repairs that will preserve the quality of affordable housing.
Residential Rehabilitation Assistance Program — RRAP for Persons with Disabilities
Financial assistance to allow homeowners and landlords to pay for modifications to make their property more accessible to persons with disabilities.
Renovation Programs Pre-Application Tool
Use this tool to obtain information specific to your geographic area and find out if you would be eligible to apply for financial assistance through CMHC’s renovation programs for low-income households.

Home Adaptations for Seniors' Independence (HASI)
Financial assistance for minor home adaptations that will help low-income seniors to continue to perform daily activities in their home independently and safely.
Emergency Repair Program (ERP)
Financial assistance to help low-income households in rural areas, for emergency repairs required for the continued safe occupancy of their home.

Financial Assistance for Multi-Unit Projects:

Rental Residential Rehabilitation Assistance Program — Rental RRAP
Financial assistance to pay for mandatory repairs to self-contained units occupied by low-income tenants.
Rooming House Residential Rehabilitation Assistance Program — Rooming House RRAP
Financial assistance to pay for mandatory repairs to rooming houses occupied by low-income tenants. This program is available in both rural and urban areas.
Residential Rehabilitation Assistance Program — Secondary/Garden Suite
Financial assistance for the creation of a Secondary or Garden Suite for a low-income senior or adult with a disability — making it possible for them to live independently in their community, close to family and friends.

Residential Rehabilitation Assistance Program — RRAP for Conversions
Financial assistance for the creation of affordable housing for low-income households by the conversion of nonresidential properties into affordable, self-contained rental housing units or bed-units.
Shelter Enhancement Program (SEP)
Financial assistance to assist in the repair, rehabilitation and improvement of existing shelters, and to assist in the acquisition or construction of new shelters and second-stage housing for victims of family violence.

Business / Government / Housing Organizations

First Nations, Métis and Inuit, Housing Organizations

Programs and Financial Assistance

Financial Assistance for Homeowners:

Financial Assistance for Multi-Unit Projects: