The renovation loan grant 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. It is called the Residential Rehabilitation Assistance Program (RRAP).

Who is eligible?

Homeowners may apply for renovation loan grants 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 CMHC Canada Mortgage Housing Corporations.

Ask your Area CMHC Consultant what assistance is available for your situation?

The maximum renovation loan grants are available vary according to the three geographic zones. Additional assistance may be available in areas defined as remote. Maximum Total Loan Maximum Forgiveness

Zone 1:

Southern areas of Canada
Maximum Loan amount $18,000
Maximum Loan Forgiveness $12,000

Zone 2:

Northern areas of Canada $21,000
Maximum Loan Forgiveness $14,000

Zone 3:

Far northern areas, Northwest Territories, Yukon, Labrador and northern Quebec
Maximum Loan Amount $27,000
Maximum Loan Forgiveness $18,000

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, housing modifications and adaptions for persons with disabilities and seniors.

In some areas of Canada, the Government of Canada, and the provincial or territorial government provide funding for these or similar programs jointly. 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.