Government Programs
Homeowner Residential Rehabilitation Assistance Program (Homeowner RRAP)
Program
CMHC offers financial assistance to low-income homeowners for mandatory home repairs that will preserve the quality of affordable housing.
Details
Eligible Properties:
Your property may be eligible for Homeowner RRAP if your home is:
- valued below a certain amount;
- at least five years old; and
- substandard and needs major repairs in one of the following areas: heating, structural, electrical, plumbing and fire safety.
- overcrowded and work is needed to help reduce this.
Eligible Repairs
In general, mandatory repairs related to heating, structural, electrical, plumbing and fire safety are eligible for funding under Homeowner RRAP. The quality of the repairs should ensure the useful life of your home for at least 15 years.
All work required to address needed repairs to the structure and systems must be completed in order to receive RRAP assistance.
If the cost of mandatory repairs is more than the maximum forgivable loan available, you, as the owner, will be required to cover the additional cost.
Any repairs carried out before the Homeowner RRAP loan is approved in writing are not eligible.
Financial Assistance
Assistance is in the form of a fully forgivable loan. The loan does not have to be repaid if you agree to continue to own and live in this house during the earning period, which could be up to five years (the loan forgiveness period). The amount you could receive is based on the cost of mandatory repairs and the area in which you live. The maximum amount you could receive varies according to the three geographic zones:
| Maximum Loan/Unit | |
|---|---|
Zone 1: Southern areas of Canada |
$16,000 |
Zone 2: Northern areas |
$19,000 |
Zone 3: Far northern areas |
$24,000 |
Additional assistance may be available in areas defined as remote. |
|
Other Assistance
If your home needs modifications to make it accessible for a person with a disability, you may be eligible for assistance under RRAP for Persons with Disabilities. Other programs are also available for seniors, rental properties, and for the creation of secondary and garden suites.
For more information
1-800-668-2642 or http://www.cmhc-schl.gc.ca/en/co/prfinas/prfinas_001.cfm
Due to regular changes in government programs, OMDREB doesn't guarantee that this is the most recent data. Please see individual websites for the most up-to-date information.
