Open
Source verified July 23, 2026
On-Reserve Non-Profit Housing Program (Section 95)
Affordable housing financing for First Nations communities
Funding available
Up to 100% of project cost
Deadline
Open continuously
Location
Canada
Overview
On-Reserve Non-Profit Housing Program (Section 95) supports First Nations communities in reserves with financing for affordable rental housing. Funding can be used to construct, buy, or rehabilitate non-profit housing in reserves and to operate it under Section 95, with project preparation financing and direct loans covering up to 100% of eligible capital cost.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Increase production or service capacity
- Renovate or adapt facilities
Eligible Funding
- Up to 100% of project cost
Funds Providers
Eligible candidates
Eligible Industries
- All industries
Location
- Canada
Legal structures
- All legal structures
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Indigenous Peoples
Next Steps
1
Determine your project
2
Validate your eligibility
Availability timeline
2026
Periods: 1
Activities funded
- Construct affordable rental housing in reserves.
- Buy housing in reserves.
- Rehabilitate housing in reserves.
- Operate and administer non-profit housing.
Documents Needed
- A document indicating the existence of any charge or agreement registered on the title.
- An external appraisal report confirming the value of the land parcel or leasehold interest, zoning, permitted uses, land-use restrictions, and commercial attractiveness.
- Financial statements for three years.
- A letter of credit.
Official resources
Program guide
Eligibility
Who is eligible?
- All First Nations communities.
Eligible geographic areas
- First Nations reserves
Processing and Agreement
- Before the application review begins, CMHC requires your lawyer or notary to review the application and confirm that the security meets CMHC requirements.
Frequently Asked Questions about the On-Reserve Non-Profit Housing Program (Section 95) Program
What is the On-Reserve Non-Profit Housing Program (Section 95)?
On-Reserve Non-Profit Housing Program (Section 95) supports First Nations communities in reserves with financing for affordable rental housing. Funding can be used to construct, buy, or rehabilitate non-profit housing in reserves and to operate it under Section 95, with project preparation financing and direct loans covering up to 100% of eligible capital cost.
How much funding can be received?
On-Reserve Non-Profit Housing Program (Section 95) Funds up to 100% of admissible expenses.
What is the deadline to apply?
The program is accepting continuous intake
Who is eligible for the On-Reserve Non-Profit Housing Program (Section 95) program?
To be eligible for the On-Reserve Non-Profit Housing Program (Section 95) program, you must:
The applicant must be a First Nations community.
The project must support affordable rental housing in reserves.
What expenses are eligible under On-Reserve Non-Profit Housing Program (Section 95)?
Construct affordable rental housing in reserves.
Buy housing in reserves.
Rehabilitate housing in reserves.
Operate and administer non-profit housing.
Who can I contact for more information about the On-Reserve Non-Profit Housing Program (Section 95)?
You can contact Canada Mortgage and Housing Corporation (CMHC).
Where is the On-Reserve Non-Profit Housing Program (Section 95) available?
The On-Reserve Non-Profit Housing Program (Section 95) program is available across Canada.