Open
Source verified July 23, 2026
Ontario Renovates Programs – Homeowner & Person with a Disability Program
Financial support for essential home repairs
Funding available
$ 25,000
Deadline
Open continuously
Location
Ontario, Canada
Overview
Ontario homeowners and households with a person with a disability may receive a forgivable loan of up to $25,000. The program supports essential home repairs, health and safety improvements, and accessibility modifications.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Increase social or community impact
- Renovate or adapt facilities
Eligible Funding
- Maximum amount : 25,000 $
Funds Providers
Eligible candidates
Eligible Industries
- All industries
Location
- Ontario
Legal structures
- Sole proprietorship
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Persons with Disabilities
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Major home repairs needed for health and safety
- Repairs that extend the useful life of the home
- Accessibility modifications for persons with disabilities
Documents Needed
- Completed Application Package
- Supporting documentation listed on page four of the application
- Signed Loan Agreement
Official resources
Eligibility
Who is eligible?
- Low-income homeowners
- Households with a person with a disability
Who is not eligible
- Applicants who do not own and occupy the home as a sole and principal residence
- Applicants with household income above the program limit
- Applicants with a home value above the program limit
- Applicants with unpaid mortgage, property taxes, or home insurance
- Applicants who received RRAP funding in the last 15 years or City of Hamilton down payment assistance
Eligible expenses
- Legal representative and title registration costs
- Repairs to roofs, fire safety, electrical, plumbing, heating, and other mandatory health and safety issues
- Accessibility modifications such as ramps, handrails, lifts, and countertop adjustments
Ineligible Costs and Activities
- Work started before the Loan Agreement is registered on title
- Repairs to modernize or improve the appearance of the home
Eligible geographic areas
- Hamilton, Ontario
How to apply
- Step 1: Review eligibility and complete the application
- Check the program requirements.
- Print and fill out the application form.
- Step 2: Prepare supporting documents
- Gather the supporting documents listed in the application package.
- Make sure the application is fully completed.
- Step 3: Submit the application
- Send the completed package by email, mail, or in person to Housing Services Division, Attention: Loans Officer, 350 King Street East, Suite 110, Hamilton ON, L8N 3Y3.
Processing and Agreement
- Applicants must first review the eligibility requirements and complete the application package.
- Incomplete applications are not accepted.
- Eligible applicants submit the package by email, mail, or in person.
- Approved applicants must sign a Loan Agreement registered on the home title.
Additional information
- A Loan Agreement must be signed and registered on the home title.
- The program is for essential repairs and accessibility modifications, not cosmetic upgrades.
- Work must start within 45 days of registration and be completed within 120 days.
- Funding demand may exceed availability.
Contacts
Availability timeline
2026
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Other components of this program
Explore related funding streams and grants that belong to the same program.
- Ontario Renovates - Secondary Suite ProgramFunding for affordable secondary suites
- Ontario Renovates – St. Thomas–Elgin Home Repair ProgramFunding for essential home repairs and accessibility upgrades
Frequently Asked Questions about the Ontario Renovates Programs – Homeowner & Person with a Disability Program Program
What is the Ontario Renovates Programs – Homeowner & Person with a Disability Program?
Ontario homeowners and households with a person with a disability may receive a forgivable loan of up to $25,000. The program supports essential home repairs, health and safety improvements, and accessibility modifications.
How much funding can be received?
Ontario Renovates Programs – Homeowner & Person with a Disability Program Funds up to $25,000 of admissible expenses.
What is the deadline to apply?
The program is accepting continuous intake
Who is eligible for the Ontario Renovates Programs – Homeowner & Person with a Disability Program program?
To be eligible for the Ontario Renovates Programs – Homeowner & Person with a Disability Program program, you must:
Owner-occupied home
Low-income household
Home value and bills within limits
What expenses are eligible under Ontario Renovates Programs – Homeowner & Person with a Disability Program?
Major home repairs needed for health and safety
Repairs that extend the useful life of the home
Accessibility modifications for persons with disabilities
Who can I contact for more information about the Ontario Renovates Programs – Homeowner & Person with a Disability Program?
You can contact City of Hamilton by email at affordablehousing@hamilton.ca or by phone at 905-546-2424 ext. 2758.
Where is the Ontario Renovates Programs – Homeowner & Person with a Disability Program available?
The Ontario Renovates Programs – Homeowner & Person with a Disability Program program is available the province of Ontario.