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APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream
Low-interest financing for constructing new community affordable housing
Last Update: March 4, 2026
Funding available
Up to 95% of project cost
Timeline
- Open continuously
Location
Canada
Overview
The Affordable Housing Fund: New Construction – Community Housing Sub-Stream offers low-interest repayable loans of up to 95% of project costs and forgivable loans of up to 40% of costs (depending on applicant type) to support financially viable, long-term affordable housing. Funding can be used for new construction or conversion of buildings into mixed-income, mixed-use, community and affordable housing, including shelters and transitional and supportive housing that meet specific affordability, energy efficiency and accessibility requirements.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Increase social or community impact
- Develop strategic partnerships
- Reduce environmental footprint
Eligible Funding
- Up to 95% of project cost
Timeline
- Open continuously
Eligible candidates
Eligible Industries
- Health care and social assistance
Location
- Canada
Legal structures
- Financial cooperative
- Non-profit
- Public or Parapublic institution
- For-profit business
- Non-financial cooperative
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Indigenous Peoples
- Rural or Northern Residents
- Canadians
Non-profit candidates
Sector of operation
- All industries
Target groups
- All the groups
Revenue structures
- All structures
Scope
- All dimensions
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Construction of new community and affordable housing developments.
- Development of urban Indigenous community housing projects.
- Creation of mixed-use and mixed-income rental projects combining affordable and market units.
- Conversion of existing non-residential buildings into affordable multi-residential housing.
- Development of shelters, transitional housing and supportive housing for people in need.
Eligibility
Who is eligible?
- Community housing providers (public or private non-profit housing organizations)
- Rental housing co-operatives
- Municipal governments
- Provincial and territorial governments
- Indigenous governments and Indigenous organizations
- Private sector housing developers or companies
Eligible geographic areas
- Projects located anywhere in Canada, as this is a federal program administered by the Canada Mortgage and Housing Corporation (CMHC).
- Projects on First Nation lands in Canada, including those using Ministerial Loan Guarantees or other accepted forms of security.
- Projects in rural and Northern areas of Canada, which are specifically prioritized under the program.
Additional information
- Applications must be supported by another level of government, which can be demonstrated through invested resources or a formal letter of endorsement.
- There is a transition period for updated energy efficiency and accessibility requirements; to use the previous standards, complete applications must be submitted by September 30, 2025, at 11:59 p.m. ET.
- Complete applications are targeted to receive a decision (decline or conditional approval) within 30 days, and applicants then have 90 days to submit underwriting documents.
- The program gives explicit priority to rural, Northern and Indigenous-led affordable housing projects.
Frequently Asked Questions about the APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream Program
Here are answers to the most common questions about the APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream. This section explains what the program is, how much funding is available, eligibility requirements, application deadlines, and other important details to help you determine if this grant is right for your business.
What is the APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream?
The Affordable Housing Fund: New Construction – Community Housing Sub-Stream offers low-interest repayable loans of up to 95% of project costs and forgivable loans of up to 40% of costs (depending on applicant type) to support financially viable, long-term affordable housing. Funding can be used for new construction or conversion of buildings into mixed-income, mixed-use, community and affordable housing, including shelters and transitional and supportive housing that meet specific affordability, energy efficiency and accessibility requirements.
How much funding can be received?
APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream Funds up to 95% of admissible expenses.
Who is eligible for the APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream program?
To be eligible for the APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream program, you must:
Applicant must be a community housing provider, municipality, province/territory, Indigenous government or organization, or private sector entity.
Project must have support from another level of government (e.g., municipality, province/territory, Indigenous government).
Project must meet minimum requirements for partnerships, financial viability, energy efficiency and accessibility.
What expenses are eligible under APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream?
Construction of new community and affordable housing developments.
Development of urban Indigenous community housing projects.
Creation of mixed-use and mixed-income rental projects combining affordable and market units.
Conversion of existing non-residential buildings into affordable multi-residential housing.
Development of shelters, transitional housing and supportive housing for people in need.
Who can I contact for more information about the APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream?
You can contact Association des professionnels de la construction et de l’habitation du Québec (APCHQ).
Where is the APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream available?
The APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream program is available across Canada.
Is the APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream a grant, loan, or tax credit?
APCHQ — Affordable Housing Fund: New Construction - Community Housing Sub-Stream is a Grant and Funding