Closed
APCHQ — Co-op Housing Development Program
Supports affordable co-operative rental housing projects
Last Update: March 3, 2026
Funding available
Varies by project
Timeline
- Receipt of requests is now closed
Location
Canada
Overview
The Co-op Housing Development Program provides $1.5 billion in federal funding to support affordable rental co-operative housing in Canada. It funds new co-op housing projects through a mix of forgivable loans and low-interest repayable loans.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Increase social or community impact
- Reduce environmental footprint
Eligible Funding
- Varies by project
Timeline
- Receipt of requests is now closed
Eligible candidates
Eligible Industries
- Real estate and rental and leasing
Location
- Canada
Legal structures
- Financial cooperative
- Non-financial cooperative
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Canadians
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- New construction of rental co-operative housing.
- Conversion of non-residential buildings into residential co-operative housing.
- Densification projects that add new co-op units.
Documents Needed
- Integrity Declaration
- Corporate documents and bylaws
- Audited financial statements
- Project assessment workbook
- Energy efficiency and accessibility attestations
Eligibility
Who is eligible?
- Non-profit housing co-operatives.
- Student housing co-operatives.
- Senior housing co-operatives.
- Indigenous co-operatives.
- Land trusts partnering with a non-profit housing co-operative.
Who is not eligible
- Homeownership co-operatives.
- Equity co-operatives.
- Nursing homes.
- Projects or units with life-leases.
Eligible expenses
- Hard and soft costs for eligible co-op housing projects.
- Pre-development costs such as cost estimates, environmental site assessments, and geotechnical reports.
- Loan closing costs.
- Costs related to exploring or establishing the co-op model in Indigenous communities.
Ineligible Costs and Activities
- Homeownership co-operatives.
- Equity co-operatives.
- Nursing homes.
- Projects or units with life-leases.
Eligible geographic areas
- Canada.
- Large urban centres.
- Small and medium urban centres.
- Rural, remote, northern, and Indigenous communities.
Processing and Agreement
- Applications are reviewed for readiness, eligibility, and completeness.
- CMHC may request additional documents or clarifications during review and underwriting.
- Complete and eligible applications are prioritized after the application window closes.
- Selected applicants receive a conditional approval before underwriting.
- A loan agreement is prepared after approval and must be signed and returned to CMHC.
Additional information
- Budget 2022 and the 2023 Fall Economic Statement together allocated $1.5 billion to this program to expand co-operative rental housing.
- This represents the largest federal investment in the co-operative housing sector in the last 30 years.
- The program is expected to support the development of thousands of affordable rental co-operative housing units by 2028.
- The program was co-designed with the Co-operative Housing Federation of Canada (CHF Canada) and the broader co-operative housing sector.
Frequently Asked Questions about the APCHQ — Co-op Housing Development Program Program
Here are answers to the most common questions about the APCHQ — Co-op Housing Development Program. 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 — Co-op Housing Development Program?
The Co-op Housing Development Program provides $1.5 billion in federal funding to support affordable rental co-operative housing in Canada. It funds new co-op housing projects through a mix of forgivable loans and low-interest repayable loans.
Who is eligible for the APCHQ — Co-op Housing Development Program program?
To be eligible for the APCHQ — Co-op Housing Development Program program, you must:
Non-profit co-op or eligible partner
Rental co-operative housing project
Meets minimum project standards
What expenses are eligible under APCHQ — Co-op Housing Development Program?
New construction of rental co-operative housing.
Conversion of non-residential buildings into residential co-operative housing.
Densification projects that add new co-op units.
Who can I contact for more information about the APCHQ — Co-op Housing Development Program?
You can contact Association des professionnels de la construction et de l’habitation du Québec (APCHQ).
Where is the APCHQ — Co-op Housing Development Program available?
The APCHQ — Co-op Housing Development Program program is available across Canada.
Is the APCHQ — Co-op Housing Development Program a grant, loan, or tax credit?
APCHQ — Co-op Housing Development Program is a Grant and Funding
Who are the financial supporters of the APCHQ — Co-op Housing Development Program?
APCHQ — Co-op Housing Development Program is funded by Association des professionnels de la construction et de l’habitation du Québec (APCHQ), Canada Mortgage and Housing Corporation (CMHC)