How many community programs for individuals and families are open right now?

Of the 24 community programs for individuals and families in our database, 16 are open or ongoing and 3 take applications only in intake windows. The rest are closed, paused or of unknown status, so they are not ranked on this page. Counts reflect our last check on Oct 31, 2026; programs can change without notice.

What is the largest published amount among these programs?

Home Accessibility Tax Credit (HATC) publishes the largest figure on this page, shown as "Limit $20K". Published figures are program maximums, caps or limits, not what an applicant should expect to receive; many programs pay a share of eligible costs and amounts depend on your project and eligibility.

Which community programs for individuals and families rank highest?

Right now the top three by our score are Canada Workers Benefit (55, Top pick), Save on Energy Energy Affordability Program (47, Strong), Ontario Child Care Tax Credit (46, Strong). The score combines the size of the published amount, how much work an application takes, how likely an eligible applicant is to succeed and how many people qualify.

Do I have to pay this money back?

It depends on the program. Grants and incentives are generally not repaid, loans always are, and some contribution agreements are partly or fully repayable, so read the terms of each program. Among the 16 open or ongoing programs here, 3 are in our Grants category, 0 are loans and 13 are other incentives such as tax credits and rebates.

Are these federal or Ontario programs?

7 of the 16 open or ongoing programs here come from the federal government and 9 from the Ontario government. Both levels can usually be combined, but many programs have stacking rules that cap total government funding for the same costs, so check them before you apply.

Is this an official government website?

No. Grants & Loans Finder is an independent research tool. Each program page links to the official source, and applications are always made with the government agency or lender that runs the program.

Community programs for individuals and families

We track 16 community programs for individuals and families that are open or ongoing right now (7 federal, 9 Ontario), plus 3 that take applications in intake windows. 0 of the open or ongoing programs publish a figure of $100K or more. They are ranked below by our 0 to 100 score, which weighs how much a program pays against how hard it is to win; last checked Oct 31, 2026.

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Ranked programs

19 open, ongoing or intake-based programs, best score first.

Canada Workers Benefit (CWB)
Canada Revenue Agency
A refundable tax credit for people who are working and earning a low income. It has a basic amount and a disability supplement and is paid through the tax return.
OngoingFederalOther incentives
55
Top pick
Save on Energy Energy Affordability Program
IESO (Save on Energy)
Free energy-saving upgrades and kits for income-eligible Ontario households, including appliance replacement and, in some cases, a free cold climate heat pump.
OngoingOntarioOther incentives
47
Strong
Ontario Child Care Tax Credit (Ontario CARE Tax Credit)
Ministry of Finance / Canada Revenue Agency
Refundable credit that gives families up to 75% of eligible child care expenses back, including child care centres, home care and camps.
OngoingOntarioOther incentivesLimit $8K
46
Strong
Home Winterproofing Program
Enbridge Gas (delivered together with the Energy Affordability Program)
Enbridge Gas offers eligible lower-income households free energy-saving home upgrades such as insulation and draft proofing. Participants get a home energy assessment...
OngoingOntarioOther incentives
45
Strong
Home Accessibility Tax Credit (HATC)
Canada Revenue Agency
A non-refundable federal tax credit that helps homeowners cover the cost of renovations that make a home more accessible and safer for seniors and people eligible for...
OngoingFederalOther incentivesLimit $20K
44
Strong
Assistive Devices Program (ADP)
Ministry of Health
Helps people with long-term physical disabilities pay for customized equipment and supplies such as wheelchairs, hearing aids, diabetic and ostomy supplies.
OngoingOntarioOther incentives
43
Strong
Conservation Land Tax Incentive Program (CLTIP)
Ministry of Natural Resources
Recognizes private stewardship of provincially important natural areas by exempting eligible portions of a property from property tax.
OngoingOntarioOther incentives
36
Worth a look
Veterans Emergency Fund
Veterans Affairs Canada
Prompt non-taxable financial support for Veterans and their families facing an emergency that threatens their health and well-being, such as food, clothing, uninsured...
OngoingFederalGrants
34
Worth a look
Ontario Child Benefit (OCB)
Ministry of Children, Community and Social Services / Canada Revenue Agency
Monthly payments to low- to moderate-income families with children under 18, administered by the CRA together with the Canada Child Benefit.
OngoingOntarioOther incentivesUp to $2K
33
Worth a look
Ontario Trillium Benefit (OTB)
Ministry of Finance / Canada Revenue Agency
Combines the Northern Ontario Energy Credit, Ontario Energy and Property Tax Credit and Ontario Sales Tax Credit into one tax-free payment, to help low- to...
OngoingOntarioOther incentivesUp to $1K
33
Worth a look
Disability Tax Credit (DTC)
Canada Revenue Agency
A non-refundable credit that reduces income tax for people with a severe and prolonged impairment or their supporting family member. DTC approval also opens the door to...
OngoingFederalOther incentives
32
Worth a look
Canada Disability Benefit (CDB)
Employment and Social Development Canada / Service Canada
A monthly federal payment providing direct financial support to working-age people with disabilities.
OngoingFederalOther incentives
31
Worth a look
Changing Narratives Fund
Department of Canadian Heritage
The Changing Narratives Fund supports diverse communities (Indigenous, Black, racialized, ethno-religious minority, people with disabilities and 2SLGBTQI+) in sharing...
OngoingFederalGrants
30
Worth a look
Kitchener LoveMyHood Matching Grant
City of Kitchener (Neighbourhood Development Office)
Matching grants for resident-led neighbourhood projects, including capital projects and events, across Kitchener.
Intake-basedOntarioGrantsUp to $30K
22
Long shot
Ontario Seniors Care at Home Tax Credit
Ministry of Finance / Canada Revenue Agency
Refundable credit helping low- to moderate-income seniors with eligible medical expenses, including expenses that support aging at home.
OngoingOntarioOther incentivesLimit $2K
22
Long shot
Toronto Heritage Grant Program
City of Toronto (Heritage Planning)
Matching grants since 1986 for eligible heritage conservation work on Toronto properties designated under the Ontario Heritage Act. Helps owners repair masonry, windows...
Intake-basedOntarioGrantsUp to $20K
20
Long shot
Ontario Seniors' Public Transit Tax Credit
Ministry of Finance / Canada Revenue Agency
Refundable tax credit helping seniors with the cost of eligible public transit fares, including specialized transit for people with disabilities.
OngoingOntarioOther incentivesLimit $450
19
Long shot
Toronto Arts Council Grants
Toronto Arts Council
City-wide public funding for Toronto-based arts organizations, collectives and individual artists across dance, music, theatre, visual and media arts, literary arts...
Intake-basedOntarioGrants
17
Long shot
Assistance Fund (Veterans Affairs Canada)
Veterans Affairs Canada
Emergency cash grants for War Veterans Allowance recipients who face a threat to their health or safety, such as fire or flood damage, lost clothing, essential health...
OngoingFederalGrantsUp to $1K
15
Long shot

How we rank

Each program gets a score from 0 to 100 that asks how much money you can realistically get for how little work. It blends the largest published amount (loans count for less because they are repaid), how much effort an application takes, how likely an eligible applicant is to succeed and how many people qualify. Closed programs score zero and programs without a published dollar figure get a neutral value, never a guess. Scores are editorial estimates, not predictions of approval.

Questions

How many community programs for individuals and families are open right now?: Of the 24 community programs for individuals and families in our database, 16 are open or ongoing and 3 take applications only in intake windows. The rest are closed, paused or of unknown status, so they are not ranked on this page. Counts reflect our last check on Oct 31, 2026; programs can change without notice.
What is the largest published amount among these programs?: Home Accessibility Tax Credit (HATC) publishes the largest figure on this page, shown as "Limit $20K". Published figures are program maximums, caps or limits, not what an applicant should expect to receive; many programs pay a share of eligible costs and amounts depend on your project and eligibility.
Which community programs for individuals and families rank highest?: Right now the top three by our score are Canada Workers Benefit (55, Top pick), Save on Energy Energy Affordability Program (47, Strong), Ontario Child Care Tax Credit (46, Strong). The score combines the size of the published amount, how much work an application takes, how likely an eligible applicant is to succeed and how many people qualify.
Do I have to pay this money back?: It depends on the program. Grants and incentives are generally not repaid, loans always are, and some contribution agreements are partly or fully repayable, so read the terms of each program. Among the 16 open or ongoing programs here, 3 are in our Grants category, 0 are loans and 13 are other incentives such as tax credits and rebates.
Are these federal or Ontario programs?: 7 of the 16 open or ongoing programs here come from the federal government and 9 from the Ontario government. Both levels can usually be combined, but many programs have stacking rules that cap total government funding for the same costs, so check them before you apply.
Is this an official government website?: No. Grants & Loans Finder is an independent research tool. Each program page links to the official source, and applications are always made with the government agency or lender that runs the program.

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Estimates; confirm on the official page. Independent research tool, not a government website. Data last checked Oct 31, 2026. Grants & Loans Finder.