Closed
APCHQ — Co-op Housing Development Program
Supports affordable co-operative rental housing projects
Last Update: June 19, 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
- Ensure financial sustainability
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
- Non-financial cooperative
- Public or Parapublic institution
- Non-profit
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- 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
- 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
Official resources
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.
Selection criteria
- Financial viability.
- Cost per unit and project size.
- Shovel readiness.
- Energy efficiency.
- Affordability and support for priority groups.
How to apply
1
Download and review guide
- Download the official Application Guide provided for the Co-op Housing Development Program
- Save the guide locally so you can consult it during the process
- Review all sections carefully to understand eligibility, required information and documents
- Use the guide to prepare what you need before accessing the portal
2
Create profile in portal
- Access the online application portal for the Co-op Housing Development Program
- Create your user profile as outlined in the Application Guide
- Enter the required organizational and contact information to complete your profile
- Ensure your profile is accurate before starting the application form
3
Complete online application form
- Start a new application in the online portal once your profile is complete
- Fill in all required fields following the instructions in the Application Guide
- Upload any information or documentation requested in the form
- Save your progress regularly while completing the application
4
Request application support
- If you need help with your application, access the intake form provided for support
- Complete the intake form with details about your organization and assistance required
- Submit the form so the Co-operative Housing Federation of Canada (CHF Canada) can assist you
- Use the guidance received to clarify questions or issues in your application
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
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)