Open
Source verified April 27, 2026
Ontario Renovates – St. Thomas–Elgin Home Repair Program
Funding for essential home repairs and accessibility upgrades
Funding available
$ 5,000 - $ 10,000
Deadline
Open continuously
Location
St. Thomas, Ontario, Canada
Overview
This program provides funding for essential home repairs and accessibility modifications for low- to medium-income homeowners in St. Thomas and Elgin County. It offers up to $10,000 for emergency repairs as a forgivable loan and up to $5,000 for accessibility upgrades.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Renovate or adapt facilities
Eligible Funding
- Maximum amount : 10,000 $
- Minimum amount : 5,000 $
Funds Providers
Eligible candidates
Eligible Industries
- All industries
Location
- St. Thomas
- Ontario
Legal structures
- Sole proprietorship
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Persons with Disabilities
- Canadians
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Essential or emergency home repairs for owner-occupied homes
- Accessibility modifications to improve independent living
Documents Needed
- Completed application form
- Proof of home ownership
- Proof of valid home insurance
- Property tax and mortgage payment records
- Proof of denial from March of Dimes, if applicable
Official resources
Eligibility
Who is eligible?
- Homeowners in St. Thomas
- Homeowners in Elgin County
- Low- to medium-income homeowners
Who is not eligible
- Non-homeowners
- Applicants whose home is not their principal residence
- Households outside St. Thomas and Elgin County
Eligible expenses
- Essential home repairs, including heating, windows, roofing, electrical, plumbing, septic systems, and well water work
- Accessibility modifications such as ramps, handrails, lifts, grab rails, and shower or countertop adjustments
- Related labour, taxes, permits, legal fees, certificates, appraisal fees, and drawings/specifications
Eligible geographic areas
- City of St. Thomas
- County of Elgin
Selection criteria
- Emergency repairs related to life and safety are a top priority
- Accessibility support for seniors and persons with disabilities is emphasized
How to apply
- Step 1: Obtain application form
- Contact St. Thomas–Elgin Social Services for the application form.
- Step 2: Prepare application
- Complete the form and gather the required supporting information.
- Step 3: Submit application
- Send the application to St. Thomas–Elgin Social Services, Attn: Home Repair Program, 423 Talbot St., St. Thomas, ON N5P 1C1.
Processing and Agreement
- Applications are submitted to St. Thomas–Elgin Social Services
- Applications are reviewed against program eligibility and limits
- Approved applicants must sign a Promissory Note before receiving funding
- Forgiveness of loan amounts begins when repairs are completed
Additional information
- Applications must be sent to St. Thomas–Elgin Social Services.
- For accessibility modifications, proof of denial from the March of Dimes Home and Vehicle Modification Program may be requested.
- Applicants who were not eligible for March of Dimes funding or who exceeded its lifetime limit may still be considered.
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 Programs – Homeowner & Person with a Disability ProgramFinancial support for essential home repairs
Frequently Asked Questions about the Ontario Renovates – St. Thomas–Elgin Home Repair Program Program
What is the Ontario Renovates – St. Thomas–Elgin Home Repair Program?
This program provides funding for essential home repairs and accessibility modifications for low- to medium-income homeowners in St. Thomas and Elgin County. It offers up to $10,000 for emergency repairs as a forgivable loan and up to $5,000 for accessibility upgrades.
How much funding can be received?
Ontario Renovates – St. Thomas–Elgin Home Repair Program Funds up to $10,000 of admissible expenses.
What is the deadline to apply?
The program is accepting continuous intake
Who is eligible for the Ontario Renovates – St. Thomas–Elgin Home Repair Program program?
To be eligible for the Ontario Renovates – St. Thomas–Elgin Home Repair Program program, you must:
Homeowner-occupied principal residence
Located in St. Thomas or Elgin County
Meets income and property value limits
What expenses are eligible under Ontario Renovates – St. Thomas–Elgin Home Repair Program?
Essential or emergency home repairs for owner-occupied homes
Accessibility modifications to improve independent living
Who can I contact for more information about the Ontario Renovates – St. Thomas–Elgin Home Repair Program?
You can contact City of St. Thomas or by phone at 519-631-9350.
Where is the Ontario Renovates – St. Thomas–Elgin Home Repair Program available?
The Ontario Renovates – St. Thomas–Elgin Home Repair Program program is available the province of Ontario.