What types of housing grants are available in Canada?

Canada offers federal grants through CMHC for affordable housing development, municipal infrastructure funding, rental protection, and homeowner energy efficiency programs. Each province also offers additional grants tailored to local housing needs.

Are any grants available for first-time home buyers?

While most housing grants focus on development and retrofits, first-time buyers can access programs like the Home Buyers' Plan (RRSP withdrawal) and First-Time Home Buyer Incentive. Check with your province for additional down payment assistance programs.

Can I combine provincial and federal grants?

In many cases, yes. Federal programs like the Affordable Housing Fund can be combined with provincial funding, but each program has specific rules. Review eligibility requirements and consult with program administrators.

Do I need to repay a grant?

Most grants do not require repayment if conditions are met. However, some programs offer forgivable loans that convert to grants after a certain period. Always review the specific terms of each program.

What if the program I want is closed to new applications?

Programs like Canada Greener Homes Grant have closed, but new programs may launch. Sign up for updates from CMHC and Natural Resources Canada, or contact us to learn about alternative funding options.

Housing Grants and Funding Programs in Canada

Explore federal, provincial, and homeowner grants that help Canadians access affordable, energy-efficient housing.

Canada offers a variety of housing grants designed to make homeownership and development more affordable. From national programs led by CMHC to provincial energy retrofit rebates, these funding opportunities help homeowners, builders, and municipalities improve housing access and sustainability.

Federal Housing Grants and Programs

Affordable Housing Fund (AHF)

Provides low-cost loans and contributions to create new affordable housing across Canada.

Eligibility: Municipalities, housing providers, developers

Housing Grants and Funding Programs in Canada

Federal Housing Grants and Programs

Provincial and Territorial Housing Grants

Homeowner and Retrofit Grants

How to Apply for Housing Grants

Frequently Asked Questions

What types of housing grants are available in Canada?

Are any grants available for first-time home buyers?

Can I combine provincial and federal grants?

Do I need to repay a grant?

What if the program I want is closed to new applications?

Need Help Finding the Right Grant?

Housing Grants and Funding Programs in Canada

Federal Housing Grants and Programs

Provincial and Territorial Housing Grants

Homeowner and Retrofit Grants

How to Apply for Housing Grants

Frequently Asked Questions

What types of housing grants are available in Canada?

Are any grants available for first-time home buyers?

Can I combine provincial and federal grants?

Do I need to repay a grant?

What if the program I want is closed to new applications?

Need Help Finding the Right Grant?