canada-affordable-housing-grants.xlsx

	A	B	C	D	E	F	G	H	I
1	🇨🇦 Federal Programs — Affordable Housing Grants & Incentives (Canada-Wide)
2	Program Name	Funding Organization	Category	Description	Funding Amount or Range	Deadline / Status	Eligibility Notes	Application URL or Contact	Stackable

3	Affordable Housing Fund (AHF)	CMHC / Housing, Infrastructure and Communities Canada	Housing	Formerly the National Housing Co-Investment Fund. Provides low-interest loans and forgivable loans/grants for new affordable housing construction and repair. Prioritizes people in greatest need including Indigenous communities, seniors, and women fleeing violence.	Up to $1M–$30M+ per project (grants & loans)	Rolling / Open (extended to 2028–29)	Non-profits, co-ops, municipalities, Indigenous housing bodies, private developers. Priority for deep affordability (≤80% CMHC median market rent).	https://www.cmhc-schl.gc.ca/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/affordable-housing-fund	Yes
4	Apartment Construction Loan Program (ACLP)	CMHC	Housing	Provides low-interest, long-term repayable loans to encourage construction of purpose-built rental housing. Formerly the Rental Construction Financing Initiative (RCFI). Loans target mixed-income projects with a minimum 20% affordable units.	Minimum $1M loan; up to $150M+ for large projects	Rolling / Open (extended to 2031–32)	Developers, non-profits, Indigenous organizations, municipalities building purpose-built rental. Affordability requirement: ≥20% units at ≤80% AMR.	https://www.cmhc-schl.gc.ca/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/apartment-construction-loan-program	Yes
5	Rapid Housing Initiative (RHI) — Major Cities & Projects Streams	CMHC / Housing, Infrastructure and Communities Canada	Housing	Capital contribution grants for rapid construction of permanent affordable housing using modular/pre-fab construction. Targets vulnerable populations. Indigenous organizations receive a dedicated allocation.	Up to $1M per unit (100% capital contribution for deep affordability)	Completed (Rounds 1–3 closed; monitor for Round 4)	Municipalities, Indigenous governing bodies, non-profits. Units must rent at or below CMHC shelter allowance. 10-year affordability covenant.	https://www.cmhc-schl.gc.ca/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/rapid-housing-initiative	Yes
6	Housing Accelerator Fund (HAF)	CMHC	Housing / Infrastructure	Incentive funding to municipalities and other local governments to accelerate housing supply. $4.4B program targeting 100,000+ new homes over 3 years. Indigenous communities and territories also eligible through distinct stream.	$4.4B total; varies by community size & action plan	Active (2023–2026); monitor for new rounds	Municipalities, local governments, Indigenous communities, territories. Based on 3-year Action Plans with zoning reforms, permits, and housing density targets.	https://www.cmhc-schl.gc.ca/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/housing-accelerator-fund	Yes
7	Co-operative Housing Development Program	CMHC / Housing, Infrastructure and Communities Canada	Housing	Supports development of new co-operative housing including permanently affordable community land trust models. Announced in Fall 2023 Economic Statement with $309.3M.	$309.3M total; project-based grants and loans	Rolling / Open	Co-operative housing developers, community land trusts, non-profit housing organizations.	https://www.cmhc-schl.gc.ca/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/co-operative-housing-development-program	Yes
8	Canada Community Housing Initiative (CCHI)	Housing, Infrastructure and Communities Canada / Provinces	Housing	Federal-provincial bilateral agreements to protect and grow community housing stock. Funding flows through provinces/territories for operating subsidies and capital repairs for social and community housing providers.	$4.3B over 10 years (bilateral agreements)	Annual (bilateral agreements 2018–2028)	Existing social and community housing providers under provincial/territorial bilateral agreements. Not directly accessible by new applicants.	https://housing-infrastructure.canada.ca/housing-logement/progs-initiatives/index-eng.html	Yes
9	Federal Community Housing Initiative (FCHI)	Housing, Infrastructure and Communities Canada	Housing	Operating subsidies for federally administered community housing providers facing expiring operating agreements. Two-phase program supporting 55,000+ community housing units nationally.	Operating subsidies scaled to individual provider agreements	Active (Phase 2 through 2027–28)	Non-profit and co-operative housing providers with expiring or expired federal operating agreements.	https://housing-infrastructure.canada.ca/housing-logement/progs-initiatives/fchi-ifcl/index-eng.html	Yes
10	Urban, Rural, and Northern Indigenous Housing Strategy (URN)	CMHC / ISC / CIRNAC	Indigenous	Self-determined Indigenous housing for off-reserve, urban, rural, and northern Indigenous communities (First Nations, Métis, Inuit). $4B+ committed to co-develop and implement an Indigenous-led national housing strategy.	$4B+ over 7 years (Budget 2022–2025+)	Rolling — delivered via Indigenous housing organizations	Indigenous non-profits, friendship centres, Métis locals, urban Indigenous housing providers. Indigenous-led governance required.	https://www.cmhc-schl.gc.ca/indigenous-funding	Yes
11	First Nations On-Reserve Housing — ISC	Indigenous Services Canada (ISC)	Indigenous	Annual and targeted capital funding to First Nations for on-reserve housing construction, renovation, and capacity building. Permanent base funding plus Budget 2022 targeted housing allocations.	$500M+ annually (permanent base + targeted)	Annual (permanent program)	First Nations bands and councils on-reserve. Funding delivered via First Nations or ISC regional offices.	https://www.sac-isc.gc.ca/eng/1100100010715/1533149225381	Yes
12	Inuit Housing — ISC / CIRNAC	Indigenous Services Canada / CIRNAC	Indigenous	Budget 2022 invested $845M over 7 years delivered through Inuit Treaty Organizations (ITK, Makivik, Nunavut Tunngavik, Inuvialuit Regional Corporation) for self-determined Inuit housing.	$845M over 7 years	Annual — delivered via Inuit treaty orgs	Inuit Treaty Organizations and their member community housing providers.	https://www.sac-isc.gc.ca/eng/1731613552781/1731613573296	Yes
13	Métis Housing — ISC	Indigenous Services Canada	Indigenous	Budget 2022 invested $190.2M over 7 years for Métis housing, complementing the Métis Nation Housing Strategy. Delivered through provincial Métis organizations.	$190.2M over 7 years	Annual — delivered via Métis organizations	Provincial Métis Organizations (Métis Nation of BC, AB, SK, MB, ON) and their housing affiliates.	https://www.sac-isc.gc.ca/eng/1731613552781/1731613573296	Yes
14	Northern and Indigenous Community Infrastructure — CIRNAC	Crown-Indigenous Relations and Northern Affairs Canada (CIRNAC)	Indigenous / Infrastructure	Grants for housing-related infrastructure (water, sewer, roads) in northern and remote Indigenous communities. Includes the Closing the Northern Housing and Infrastructure Gap fund.	Varies; multi-year project grants	Rolling / Annual	Indigenous communities and territorial governments in Yukon, NWT, and Nunavut.	https://www.rcaanc-cirnac.gc.ca/eng/1386085207074/1615725052336	Yes
15	Canada Greener Homes Affordability Program	Natural Resources Canada (NRCan)	Energy / Green Building	Successor to Canada Greener Homes Grant. Free or heavily subsidized energy efficiency upgrades (insulation, heat pumps, windows) for low- and moderate-income households. Delivered via provinces/territories and Indigenous organizations.	Free upgrades or grants up to $10,000+ per unit	Launching 2025; Rolling	Low-to-moderate income households, social housing providers, Indigenous communities. Delivered regionally.	https://natural-resources.canada.ca/energy-efficiency/home-energy-efficiency/canada-greener-homes-initiative/canada-greener-homes-affordability-program	Yes
16	Canada Green Buildings Strategy — Deep Retrofit Program	Natural Resources Canada / CMHC	Green Building / Energy	Supports large-scale deep energy retrofits of existing buildings including affordable multi-unit residential buildings. Targets 50%+ energy use reduction. Complementary to provincial programs.	Project grants; up to several million per building	Rolling / Open	Building owners (non-profits, municipalities, housing providers), Indigenous housing organizations.	https://natural-resources.canada.ca/energy-efficiency/buildings/green-buildings-strategy	Yes
17	Seed Funding and Capacity Building — CMHC	CMHC	Housing	Pre-development grants for feasibility studies, site assessments, architectural drawings, and capacity building for affordable housing projects. Particularly important for Indigenous and non-profit proponents.	Up to $100,000 per project for pre-development	Rolling	Non-profit housing developers, Indigenous housing organizations, co-operatives, municipalities.	https://www.cmhc-schl.gc.ca/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/seed-funding	Yes
18	Housing Supply Challenge	Housing, Infrastructure and Communities Canada	Housing / Innovation	Competitive fund that awards prize money to innovative solutions addressing barriers to housing supply. $300M total. Rounds target zoning, permitting, construction innovation, and Indigenous housing barriers.	$300M total; individual awards up to $5M	Multiple rounds (2021–2026); monitor for new intakes	Municipalities, non-profits, Indigenous organizations, private sector, researchers.	https://housing-infrastructure.canada.ca/housing-logement/challenge-defi/index-eng.html	Yes
19	Federal Lands Initiative (FLI)	Housing, Infrastructure and Communities Canada	Housing / Infrastructure	Transfers underused federal lands and buildings to housing developers at below-market or no cost. Includes government buildings, surplus properties, and Canada Post lands.	Land value benefit; sites valued at $0–market reduction	Rolling	Non-profits, municipalities, Indigenous organizations. Must commit to affordable housing covenant.	https://housing-infrastructure.canada.ca/housing-logement/lands-terres/fli-ifit/index-eng.html	Yes
20	CMHC Mortgage Loan Insurance — Affordable Housing	CMHC	Housing / Tax	Provides access to low-cost mortgage financing through reduced insurance premiums (up to 50% reduction) for affordable and energy-efficient multi-unit residential projects. Enables better loan terms.	Premium reductions of 25–50% on insured mortgages	Rolling / Open	Developers of multi-unit residential buildings meeting CMHC affordability and/or energy efficiency requirements.	https://www.cmhc-schl.gc.ca/professionals/project-funding-and-mortgage-financing/mortgage-loan-insurance	Yes
21	GST/HST Rebate — New Residential Rental Properties	Canada Revenue Agency (CRA)	Tax	100% GST/HST rebate for new purpose-built rental housing (announced September 2023). Applies to new rental apartment construction. Previously rebate was capped at 36% and phased out above certain values.	100% rebate of GST/HST on new construction	Permanent (since Sept 2023)	Developers building new purpose-built rental housing (residential apartment buildings). Must be for long-term rental (not short-term).	https://www.canada.ca/en/department-finance/news/2023/09/removing-the-gst-from-the-construction-of-new-rental-housing.html	Yes
22	Canada Community-Building Fund (CCBF)	Housing, Infrastructure and Communities Canada	Infrastructure	Formerly the Gas Tax Fund. Provides predictable, long-term funding to municipalities and territories for core public infrastructure including community housing-enabling infrastructure (water, sewer, transit).	$2.4B/year nationally (indexed)	Annual — ongoing	Municipalities and territories. Funding flows through provinces/territories. Eligible for water, sewer, transit, and community energy systems enabling housing.	https://housing-infrastructure.canada.ca/pub/ccbf-fccc/index-eng.html	Yes
23	Reaching Home: Canada's Homelessness Strategy	Housing, Infrastructure and Communities Canada	Housing / Social	Community-based funding to prevent and reduce homelessness across Canada. Two main streams: Designated Communities and Indigenous Homelessness. $4B+ committed (2019–2028).	$4B+ nationally; community allocations vary	Annual / Rolling (Community Advisory Boards)	Designated communities (cities), Indigenous organizations. Funding managed through Community Advisory Boards. Targets chronic homelessness reduction.	https://housing-infrastructure.canada.ca/homelessness-itinerance/index-eng.html	Yes
24	National Housing Co-Investment Fund — Repair Stream	CMHC	Housing	Forgivable loans and grants specifically for repair and renewal of existing community and social housing stock. Supports energy efficiency retrofits in existing affordable housing buildings.	Up to 25% forgivable; combined loans and grants	Rolling / Open	Non-profit, co-operative, and community housing providers. Buildings must be at least 5 years old.	https://www.cmhc-schl.gc.ca/professionals/project-funding-and-mortgage-financing/funding-programs/all-funding-programs/affordable-housing-fund	Yes
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