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Interest-free loans and/or non-repayable contributions to develop and preserve affordable housing.
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The Seed Funding program supports affordable housing through interest-free loans and/or non-repayable contributions. There are two funding streams: one for new construction/conversions, and one to preserve existing community housing projects.
For details relating to Seed (New Construction Stream) please refer to the information below.
For details relating to Seed (Preservation Stream) please visit Preservation Funding for Community Housing.
Seed Funding in action: Find out how affordable housing organizations in Gatineau, Quebec are using Seed funding to help women affected by domestic violence have an affordable place to call home. Find other similar success stories here.
Interest-free loans
The interest-free loan offers a 3-year period to complete and submit a payment request. The loan can be combined with non-repayable contributions.
Non-repayable contributions
The Non-repayable contribution offers a 2-year period to complete and submit a payment request.
Maximum funding amounts are determined during the scoring and prioritization process. For more information, see “Application and Approval Process” below and the Product Highlight Sheet (PDF).
Considerations for Indigenous and Northern Housing Solutions Clients
In addition to a Ministerial Loan Guarantee (MLG), Canada Mortgage and Housing Corporation (CMHC) is now accepting four additional alternative types of security for projects on First Nation lands.
The New Construction Stream provides interest-free loans and/or non-repayable contributions to help with costs related to pre-development activities. This can include business plans, preliminary designs, development permits and more.
Who can apply?
Eligible project types
Minimum requirements
Your project must:
The Seed (Preservation Stream) provides non-repayable contributions to support costs related to preservation activities. To learn more about the Seed (Preservation Stream) please visit Preservation Funding for Community Housing.
CMHC will accept and review applications on a continuous basis.
Prioritization of applications
All applications for funding will be assessed based on program fit, outcomes, and on the achievement of National Housing Strategy outcomes including:
During assessment, CMHC will determine the amount of funding your project is eligible to receive.
The following resources are available to help you prepare your application:
The application form will consist of a number of questions over several pages. You can see your progress through the steps of the application at the top of each page.
As you move forward through the application, the completed pages will be saved automatically. Partially completed pages – those that are missing required fields – will not be saved.
You may leave the application portal and return at a later time; your application progress will be saved.
For your application to be considered the following information must be completed and uploaded inside the portal:
Important:
Notice: There are currently issues affecting users of Safari. For optimal performance, CMHC recommends using Chrome, Edge or Internet Explorer to submit your application.
For help in completing your application, contact your Affordable Housing Specialist. They can help you understand and assess your needs, identify possible solutions, provide information on how CMHC can support your goals and help you navigate our application process.
General inquiries or technical support
Before starting your application, please take a moment to download, save, and review our portal guide. The guide includes information required to create your profile and start the application process successfully.
Download the portal guide (PDF)Start your application
Have questions? Need further support? Contact one of our regional CMHC specialists.
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