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

Homeowners may qualify for assistance if your property is eligible and if your total household income is at or below the Income Threshold set by CMHC.
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 your home during the forgiveness period (which could be up to five years).
The maximum amount you could receive in Southern areas of Canada is $16,000.
Your property may be eligible for Homeowner RRAP if it is:
- at least five years old
- valued below a certain dollar amount
- substandard and needs major repairs in one of the following areas: heating, structural, electrical, plumbing and fire safety.
Your property may also qualify if work is needed to help reduce overcrowding
Generally, mandatory repairs associated with heating, structural, electrical, plumbing and fire safety are eligible for funding.
All necessary to bring your home up to minimum health and safety standards must be completed in order to receive assistance. If the cost of the repairs is more than the maximum loan amount, the homeowner is obligated to cover the additional cost.
Any repairs done before the Homeowner RRAP is approved in writing are not entitled to funding.

For more information contact the Canada Mortgage and Housing Corporation at 1.866.668.2642 or visit www.cmhc.ca.