Closed
Source verified July 8, 2026
APCHQ — Co-op Housing Development Program
Supports co-op rental housing development
Funding available
Up to 100% of project cost
Deadline
Open continuously
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.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Increase social or community impact
- Reduce environmental footprint
- Ensure financial sustainability
Eligible Funding
- Up to 100% of project cost
Eligible candidates
Eligible Industries
- All industries
Location
- Canada
Legal structures
- Non-financial cooperative
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Indigenous Peoples
- Rural or Northern Residents
- Startups
- Women
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- New construction of residential development, including densification projects.
- Conversion of non-residential to residential projects.
- Projects that create or purchase net new housing units regardless of tenure.
Documents Needed
- Required Documentation Checklist
- Viability Assessment Workbook
- Integrity Declaration
- Energy Efficiency Attestation
- Accessibility Attestation
Official resources
Program guide
Eligibility
Who is eligible?
- New and existing non-profit housing co-operatives.
- Indigenous governments and governing bodies.
- 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
- Soft costs incurred during construction.
- Pre-development and pre-construction soft costs, including land acquisition, environmental site assessments, and cost consultant reports, may be approved retroactively based on invoices.
- Closing costs related to the loan.
- Costs related to the exploration or establishment of the co-op model in Indigenous communities, including legal fees, workshops, and focus groups.
- Hard costs relating to the project that are reasonable, prudent, and necessary to advancing the project.
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.
Selection criteria
- Financial viability.
- Cost per unit.
- Project size.
- Shovel readiness.
- Energy efficiency, project location, affordability, and support for priority groups and Indigenous-led projects.
How to apply
- Fill out the application form to obtain support from the Co-operative Housing Federation of Canada, as applications can no longer be submitted through the portal.
Processing and Agreement
- After submission, applications are reviewed for readiness, eligibility, and completeness.
- Complete and eligible applications are prioritized within 30 days of the application window closing.
- Selected files receive a Conditional Approval within 30 days of being selected.
- Documents required for underwriting must be submitted within 90 days or the application will be withdrawn from consideration.
- After conditional approval, underwriting can take up to 60 days once all necessary documentation is received.
- Once approved, CMHC prepares the loan documents, typically within 40 days, and the signed documents must be returned within 30 days.
Additional information
- CMHC and Maisons Canada work closely together to ensure that no application is overlooked.
Contacts
Frequently Asked Questions about the APCHQ — Co-op Housing Development Program Program
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.
How much funding can be received?
APCHQ — Co-op Housing Development Program Funds up to 100% of admissible expenses.
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:
The project must operate as rental co-operative housing.
Applicants do not need to own the land at the application stage, but must have an agreement of purchase and sale.
New co-operatives may be exempt from the three-year experience requirement in finance or housing co-operatives.
What expenses are eligible under APCHQ — Co-op Housing Development Program?
New construction of residential development, including densification projects.
Conversion of non-residential to residential projects.
Projects that create or purchase net new housing units regardless of tenure.
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) by email at contactcentre@cmhc.ca or by phone at 1-800-668-2642.
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 Loans and Capital investments