Homeowner Residential Rehabilitation Assistance Program — Homeowner RRAP

The Homeowner RRAP offers financial assistance to low-income households who own and occupy substandard housing to enable them to repair their dwellings to a minimum level of health and safety.

Who is eligible?

Homeowners may apply if:

• the value of their house is below a specified figure; and
• their household income is at or below established ceilings (limits) based on household size and area.

Properties must be lacking basic facilities or require major repair in one or more of five categories:

• structural;
• electrical;
• plumbing;
• heating;
• fire safety.

Assistance may also be available to alleviate overcrowding.

Other criteria may be applicable. Consult the Information Contact in your area for more details.

What assistance is available?

The maximum loan amounts available vary according to the three geographic zones. Additional assistance may be available in areas defined as remote.

*for remote areas, the maximum total loan may be increased by an additional 25 percent.

IMPORTANT: Work carried out before the loan is approved in writing is not eligible for funding under this program.

Other CMHC programs are available to assist eligible Canadians with repairs to substandard housing, accessibility modifications and adaptations for persons with disabilities and seniors.

Where can I get more information?

Contact your local CMHC office.

In some areas of Canada (excluding on-reserve), funding for these or similar programs is provided jointly by the Government of Canada, and the provincial or territorial government. In these areas, the provincial or territorial housing agency may be responsible for delivery of the programs. Program variations may also exist in these areas.

Information Contacts