Last updated: July 2025

Building sustainable and affordable housing can be complex, particularly when it comes to financing. Many projects rely on external funding sources to implement energy-efficient retrofits or new builds. The following funder list is designed to streamline your search for financial sources at both provincial and national levels and serves as a strategic tool to simplify the decision-making process.  

Whether you’re laying the groundwork for a new build or planning for extensive high-performance, energy-efficient retrofits, this list can help. Discover funding that can help you carry out a project that provides much-needed housing for Canadians, creates healthy, thriving communities, empowers local economies, and contributes to an affordable, sustainable future. 
 

Funders list

The information below links to programs external to FCM. While we strive to provide accurate information, FCM cannot ensure the accuracy of content hosted externally. For inquiries related to updates, changes, or relevant questions concerning the programs external to FCM, please reach out to us at gmfcapacity@fcm.ca

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Region 

Organization 

Program 

Stage(s)

Funding Type 

AB 

Alberta Real Estate Foundation 

Development Grants 

Plan

Grant 

AB 

Calgary Foundation 

Strategic Opportunity Grants 

Plan 
Study 
Pilot 

Grant 

AB 

City of Calgary
Municipal Region 

Housing Incentive Program (HIP) 

Plan 
Study

Grant, rebate 

AB 

City of Edmonton
Municipal Region 

Affordable Housing Investment Program 

Capital

Grant 

AB 

City of Edmonton
Municipal Region 

Affordable Housing Tax Grant 

Capital

Grant 

AB 

Province of Alberta
Province-wide 

Affordable Housing Partnership Program 

Plan 
Capital

Grant 


Land or buildings 


Transfer or long-term lease of a government-owned asset 

ABProvince of Alberta
Province-wide 
Capital Maintenance and Renewal Program CapitalGrant (funding to maintain and repair government-owned affordable housing units across the province)
ABProvince of Alberta
Province-wide 
Indigenous Housing Capital Program CapitalGrant
Atlantic RegionDeep Retrofit Accelerator Initiative: ReCoverBuilding Transformation ProgramStudyGrant

BC 

BC Housing
Province-wide

Energy Efficiency Retrofit Program (EERP) 

Capital

Grant 

BC 

BC Housing
Province-wide

Capital Renewel Funding (CRF) 

Capital

Grant 

BC 

BC Housing 
Province-wide 

Building BC Community Housing Fund Program 

Study 
Capital

Loan 
Grant 

BC 

BC Housing 
Province-wide 

Canada - British Columbia Housing Benefit Program (CBCHB) 

Capital 

Grant 

BC 

BC Hydro 

BC Hydro's Custom Efficiency Program 

Capital

Grant 

BC 

BC Hydro & Fortis BC 
Province-wide 

Social housing retrofit support program 

Study 
Capital

Grant, rebate 

BCBC Non-Profit Housing Association

 
Pilot Program for Vancouver Non-Profit Housing (bcnpha.ca)

Capital

Grant

BC 

CleanBC 

Social Housing Incentives Program (SHIP) 

Plan
Study
Capital

Grant 

BC 

CleanBC 

CleanBC Custom Program (retrofits) 

Plan
Study
Capital

Grant 

BC 

CleanBC 

CleanBC Commercial New Construction Program 

Plan/Study
Capital

Grant 

BC 

CleanBC 

CleanBC Income Qualified Program 

Capital

Rebate 

BC 

CleanBC 

CleanBC Custom Lite Program (retrofits) 

Plan
Study

Grant

BC 

Real Estate Foundation of BC 

REFBC Grants 

Plan 
Capital 

Grant 

BC 

Vancity 
Province-wide 

Vancity: Impact Investing 

Plan 
Study 
Capital

Loan, Grant (Grants to help housing providers articulate the positive impact of a project; build capacity to deliver a project; develop a successful business plan; communicate the success and/or lessons learned.) 

BCVancity
Members only
Non-Profit Housing Retrofit GrantsPlan
Capital
Grant
CanadaCanadian Co-operative Investment Fund (CCIF)Canadian Co-operative Investment FundCapitalLoan
CanadaCommunity Forward Fund (CFF)Community Forward FundCapitalLoan
CanadaCommunity Housing Transformation Centre 
Nation-wide 
Green Kickstarter Fund (GFK)CapitalGrant

Canada 

Community Housing Transformation Centre 
Nation-wide 

Local Projects Grant 

Study 
Capital 

Grant 

Canada 

Community Housing Transformation Centre 
Nation-wide 

Sectoral Impact Projects Grants 

Pilot 
Study 
Capital

Grant 

Canada 

Housing Partnership Canada (HPC) 
Nation-wide 

Housing Investment Corporation (Hi-C) 

Plan 
Study 
Capital 

Loans 

Canada 

Green Municipal Fund (GMF) of Federation of Canadian Municipalities (FCM)
Nation-wide 

Sustainable Affordable Housing

Plan 
Study  

Grants 
(Program currently paused)

Canada 

Cooperative Housing Federation (CHF) 
Nation-wide 

Co-operative Housing Federation of Canada Financing 

Study 

Loans provided by credit institutions 

Canada 

Cooperative Housing Federation (CHF) 
Nation-wide 

Greener Co-op MicrograntsGreen projectsGrant

Canada 

CMHC 

Affordable Housing Fund: New Construction – Community Housing Sub-Stream | CMHC  

Plan 
Study 
Capital 

Grant 
Loans 
(Supports the 
construction 
of shelters, 
transitional 
and supportive 
housing)

Canada 

CMHC 

Affordable Housing Fund: New Construction – Rapid Housing Sub-Stream | CMHC 

Plan 
Study 
Capital

Grant 
Loans 
(Supports the 
construction 
of shelters, 
transitional 
and supportive 
housing)

CanadaCMHCCo-op Housing Development ProgramCapitalGrant
Loan
CanadaCMHCMLI SelectCapitalMortgage insurance
CanadaCMHCProposal Development Funding for First Nation CommunitiesStudyLoan
CanadaCMHCOn-Reserve Non-Profit Housing Program (Section 95)CapitalSubsidy
Loan
CanadaCMHCOn-Reserve Residential Rehabilitation Assistance Program (RRAP)CapitalGrant
CanadaCMHCPreservation Funding for Community Housing ProvidersStudyGrant (limited to projects with an active or previously active eligible federally administered operating agreement)

Canada 

CMHC 

Affordable Housing Fund: Repair and Renewal 

Plan 
Study 
Capital

Grant 
Loans 

Canada 

CMHC 

Apartment Construction Loan Program 

Capital

Loans 

Canada 

CMHC 

Affordable Housing Innovation Fund

Plan 
Study

Grant 
Loans 

CanadaCMHCFederal Lands InitiativeCapitalGrant
Loan

Canada 

CMHC 

Seed Funding program 

Plan

Loans 

Canada 

CMHC  

Canada Greener Affordable Housing 

Plan 
Study 
Capital

Loan 

CanadaHousing, Infrastructure and Communities CanadaReaching HomeCapitalGrant

Canada 

Peter Gilgan Foundation 

Climate Change 

Low-Emission & Renewable Technologies
 
Green Building & Living 

Grant 

CanadaSOFIACInvesting in Your Energy Efficiency ProjectsCapitalLoan (Retrofit funding paid back by energy savings)
CanadaTapestry Community CapitalRaise capitalCapitalCommunity bond
CanadaVancity Community Investment BankVancity CIBCapitalLoan

MB 

Efficiency Manitoba 

Efficiency Manitoba Rebate Program  

Capital 

Rebate 

MBProvince of Manitoba
Province-wide
Housing Starts HerePlan
Study
Capital
Grant
Loan
NBKaleidoscope Social Impact
Province-wide
BuildNBStudy
Capital
Loan
NBProvince of New Brunswick 
Province-wide
Affordable Rental Housing ProgramCapitalForgivable Loan

NB 

Province of New Brunswick 
Province-wide 

Rental Rehabilitation Assistance Program and Rental Conversion ProgramCapitalForgivable Loan

NB 

Province of New Brunswick 
Province-wide 

Shelter Enhancement Program  

Capital

Forgivable Loan 

NB 

NB Power, 
Province-wide 

Community Outreach Program  

Capital

Energy Savings Kits and rebate programs
NBSave Energy NBSave Energy NBCapitalRebate
NLCommunity Housing Transformation Centre
Province-wide
Newfoundland and Labrador Community Housing Growth FundPlan
Study
Grant

NL 

Newfoundland and Labrador Housing Corporation (NLHC) 

Affordable Rental Housing Program 

Capital

Grant 

NL 

Newfoundland and Labrador Housing Corporation (NLHC) 

Home Energy Savings Program (HESP) - Newfoundland and Labrador Housing Corporation 

Capital 

Grant 

NLNL Department of Industry, Energy and TehcnologyCommunity Capacity Building ProgramCapacity BuildingGrant
NLTake Charge!Take Charge!CapitalRebate

NS 

Community Housing Transformation Centre 

Nova Scotia Community Housing Capital FundCapitalGrant

NS 

Community Housing Transformation Centre 

Nova Scotia’s Community Housing Growth Fund (CHGF) 

Plan 
Study 
Capital

Grant 

NSEfficiency NS, Province-wide Commercial New ConstructionStudy
Capital
Rebate

NS 

Government of Nova Scotia, Province-wide

Community Housing Acquisition ProgramCapitalLoan

NS 

Government of Nova Scotia, Province-wide

Community Housing Infrastructure and Repair Program (CHIRP)CapitalForgivable Loan

NS 

Government of Nova Scotia, Province-wide

Low Carbon CommunitiesCapitalGrant

NS 

Government of Nova Scotia, Province-wide

Nova Scotia - Your Energy Rebate  

Capital

Rebate 

NSHalifax Regional Municipality, Municipal regionAffordable Housing Grant ProgramCapitalGrant
NSHCi3, Halifax regionGrant ProgramCapitalGrant
NSHCi3, Halifax regionImpact InvestingCapitalLoan

NS 

Housing Nova Scotia, 
Province-wide 

Housing Repair Program

Capital

Grant 

NS 

Efficiency NS, 
Province-wide 

 
Affordable Multifamily Housing Program 

Study 

Rebates 

NS 

Halifax Foundation, Halifax region

Grant Programs 

Plan 
Study 
Capital 

Grant 

NSStudent Housing Nova ScotiaDeveloping Affordable Student Housing (DASH) FundCapitalLoan
NTNWT Housing CorporationShelter Enhancement FundCapitalForgivable Loan

NT 

Yellowknife Community Foundation 

Yellowknife Community Fund 

Plan 
Study 
Capital 

Grant 

NT 

Arctic Energy Alliance Province-wide  

Rebates on Renewable Energy  

Capital

Rebate  

NT 

Arctic Energy Alliance 
Province-wide 

Rebates on Energy-Efficient Products 

Capital

Rebate 

NU 

Community Housing Transformation Centre 

The Nunalingni Piruqpaalirut Fund 

Plan 
Study 
Capital

Grant 

NUNunavut Housing Corporation, Territory-wideSupported Housing Capital ProgramCapitalForgivable Loan

ON 

City of Toronto 
City-wide 

Home Energy Loan Program (HELP) 

capital

Loan 

ON 

Enbridge Gas 
Province-wide 

Savings by Design Affordable Housing 

capital 
study 

Grant 

ON 

IESO, 
Province-wide 

Energy Affordability ProgramCapitalGrant

ON 

IESO, 
Province-wide 

Retrofit Program 

Capital 

Grant 

ONInfrastructure Ontario, Province-wideHousing Providers – Affordable financing for capital investmentsCapitalLoan

ON 

Enbridge 
Province-wide 

Affordable Multi-Family Residential Program 

Capital 

Grant 

ON 

Hydro Ottawa City-wide 

Ottawa Retrofit Accelerator 

Study

Grant 

ONRegion of Waterloo, Municipal regionIncentives to Create Affordable HousingCapitalGrant

PE

Province of PEI
Province-wide

efficiencyPEI 

capital 

Rebate 

PE

Province of PEI 
Province-wide 

Affordable Housing Development Program 

Capital

Forgivable Loan 

PEProvince of PEI, Net Zero OfficePrograms for homeowners, businesses and non-profitsCapitalRebate
Loan
Free Programs

PE 

PEI, CMHA 
Province-wide 

Community Housing Fund, Canadian Mental Health Association 

Study

Grant 

PE 

Province of PEI 
Province-wide 

Solar Electric Rebate Program 

Capital

Rebate 

QCAssociation des groupes de ressources techniques du Québec (AGRTQ)Capital Social d'investissement Immobilier (CSII)CapitalLoan

QC 

Hydro-Québec 
Province-wide 

LogisVert 

capital 
Study 

Grant 

QC 

Hydro Quebec & Société d'habitation Quebec 
Province-wide 

Rénovation énergétique pour les ménages à faible revenu  

Capital

Grant/rebate 

QC 

Transition énergétique Quebec 
Province-wide 

Rénoclimat 

Capital 

Grant 

QC 

Transition énergétique Quebec (TEQ) 
Province-wide 

Éconologis 

Capital

Grant/Service 

QC 

Énergir 
Province-wide 

Energy efficiency grants 

Capital 

Grant 

QC 

Énergir 
Province-wide 

Supplement for low-income householdsCapitalGrant
QCGreater Montreal Climate FundGreater Montreal Climate FundPlan
Study
Capital
Loan

QC 

Victoriaville 
Municipal-wide 

Victoriaville Habitation Durable 
This program is temporarily suspended 

Plan 
Study 
Capital

Grant 
 
Subsidies 

QCVille de Longueuil, Municipal-wideProgramme d’amélioration de l’isolation (PAI)CapitalGrant

QC 

Ville de Saguenay 

Home renovation program 

Capital 

Rebates 

QC 

Société d'habitation du QuébecProgramme d’aide financière visant la préservation du parc immobilier communautaire (PPPIC)CapitalLoan

QC 

Société d'habitation du QuébecProgramme de financement en habitationCapitalLoan

QC 

Société d'habitation du QuébecProgramme d’habitation abordable Québec

Capital

Grant 

QC 

Ville de Rivière-du-Loup

Heritage Restoration Program 

Study 
Capital 

Grants 

QC 

Ville de Montreal 

Reno Affordable Housing 

Study 
Capital

Grant 
 
Subsidies 

QC 

Société d'habitation du Québec

Home Ownership Program for Residents of the Kativik Region 

Capital

Grant 

QC 

Société d'habitation du Québec 

Programme de rénovation des habitations à loyer modique 

Capital 

Grant 

QC 

Société d'habitation du Québec 

Programme d’habitation abordable Québec 

Capital 

Grant 

SK 

City of Regina 
Municipal Region 

Housing Incentive Policy 

Capital

Grant 

SKSaskatchewan Environmental Society, Saskatoon and Regina regionsEfficiency for OrganizationsLevel 1 Energy AuditNo Cost
SKSaskatchewan Housing Corporation, Province-wideRental Development Program (RDP)CapitalForgivable Loan

YT 

Yukon Territory  
Territory-wide 

Good Energy rebates 

Capital

Rebate 

YT 

Yukon Territory  
Territory-wide 

Developer Build Loan Program 

Capital

Loan 

YT 

Yukon Territory  
Territory-wide 

Housing Initiatives FundPlan
Study
Capital
Grant

YT 

Yukon Territory  
Territory-wide 

Solar domestic hot-water heating systems 

Capital

Rebate 

YT 

Yukon Territory  
Territory-wide 

Housing and property rebates  

Capital 

Rebate