Housing Programs and Financial Assistance

Canada Mortgage and Housing Corporation (CMHC) works with the private housing sector by encouraging the design, development, provision and operation of affordable housing for all Canadians.

Eligibility Criteria

Financial assistance takes the form of loans, 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. Programs are available for low-income households, seniors, and persons with disabilities.

Summary

Programs and financial assistance offered to help Canadians most in need to gain access to safe, affordable housing.

Homeowner Residential Rehabilitation Assistance Program — Homeowner RRAP 

• 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.

Rental Residential Rehabilitation Assistance Program — Rental RRAP

• Assistance for landlords of affordable housing to pay for mandatory repairs to self-contained units occupied by low-income tenants.

Residential Rehabilitation Assistance Program — RRAP for Conversions

• Assistance for converting non-residential buildings into affordable housing.

Rooming House Residential Rehabilitation Assistance Program — Rooming House RRAP

• Repair assistance for owners of rooming houses with rents affordable to low-income individuals.

Residential Rehabilitation Assistance Program — RRAP for Persons with Disabilities

• Financial assistance to undertake accessibility work to modify dwellings occupied or intended for occupancy by low-income persons with disabilities.

Residential Rehabilitation Assistance Program — Secondary/Garden Suite

• Assistance to create affordable self-contained rental units for low-income seniors and adults with disabilities.

Home Adaptations for Seniors' Independence (HASI)

• Financial assistance for minor home adaptations to extend the time low-income seniors can live in their own homes independently.

Shelter Enhancement Program (SEP)

• Assistance to build, repair, rehabilitate and improve shelters and second stage housing for women, children and youth who are victims of family violence.

Emergency Repair Program (ERP)

• The ERP assists eligible homeowners or occupants in rural areas to undertake emergency repairs required for the continued safe occupancy of their houses.

For additional information, visit the CMHC website.

Newfoundland and Labrador Contact(s):
See National Contact.

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National Contact(s):
Canada Mortgage and Housing Corporation
700 Montreal Road
Ottawa, Ontario  K1A 0P7
Telephone: 613-748-2000
Fax: 613-748-2098
Toll-free (information): 1-800-668-2642
TTY (hearing impaired): 613-748-2447
E-mail: chic@cmhc-schl.gc.ca
Web site: http://www.schl.ca/en/