Housing and real estate programs for non-profits and charities

Ranked programs

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

1. GST/HST New Residential Rental Property Rebate and Purpose-Built Rental Housing rebate (100%)

   Canada Revenue Agency

   Rebate to landlords and builders of GST/HST paid on newly built or substantially renovated residential rental property; purpose-built rental buildings can get the GST...

   OngoingFederalOther incentives
   34

   Worth a look

2. CMHC MLI Select (multi-unit mortgage loan insurance)

   CMHC

   Multi-unit mortgage loan insurance with higher loan-to-value or loan-to-cost, longer amortization and lower premiums for projects earning points for affordability...

   OngoingFederalLoans
   28

   Worth a look

3. Reaching Home: Canada's Homelessness Strategy

   Housing, Infrastructure and Communities Canada

   A community-based program funding projects that prevent and reduce homelessness in urban, Indigenous, territorial and rural and remote communities, with decisions made...

   OngoingFederalGrants
   28

   Worth a look

4. CMHC Apartment Construction Loan Program (ACLP)

   Canada Mortgage and Housing Corporation (CMHC)

   Low-cost construction-to-stabilization loans for rental housing, including standard rental, seniors and student housing. Key financing for real estate developers.

   OpenFederalLoans
   21

   Long shot

5. Kitchener Designated Heritage Grant Program

   City of Kitchener

   Grants toward conserving individually designated heritage properties and properties in Kitchener heritage districts.

   Intake-basedOntarioGrantsUp to $15K
   20

   Long shot

6. 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

7. FedNor - Regional Homebuilding Innovation Initiative (Northern Ontario)

   FedNor

   Supports Northern Ontario businesses and organizations strengthening the housing supply chain and residential construction innovation. Commercial projects are generally...

   Intake-basedFederalLoansLoans up to $500K
   14

   Long shot

8. Build Canada Homes (BCH) - proposal portal and financing

   Build Canada Homes (Housing, Infrastructure and Communities Canada)

   Federal agency that finances and builds affordable housing with private developers, non-profits, Indigenous partners and governments; uses tools such as loans, loan...

   OpenFederalLoans
   13

   Long shot

9. Federal Lands Initiative (CMHC)

   Canada Mortgage and Housing Corporation (CMHC)

   Transfers or leases surplus federal lands and buildings to eligible housing providers at discounted or no cost for development into affordable, accessible...

   Intake-basedFederalOther incentives
   6

   Long shot

Questions

How many housing and real estate programs for non-profits and charities are open right now?

Of the 22 housing and real estate programs for non-profits and charities in our database, 5 are open or ongoing and 4 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 29, 2026; programs can change without notice.

What is the largest published amount among these programs?

CMHC Apartment Construction Loan Program (ACLP) publishes the largest figure on this page, shown as "$1M". 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 housing and real estate programs for non-profits and charities rank highest?

Right now the top three by our score are GST/HST New Residential Rental Property Rebate and Purpose-Built Rental Housing rebate (34, Worth a look), CMHC MLI Select (28, Worth a look), Reaching Home: Canada's Homelessness Strategy (28, Worth a look). 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 5 open or ongoing programs here, 1 are in our Grants category, 3 are loans and 1 are other incentives such as tax credits and rebates.

Are these federal or Ontario programs?

5 of the 5 open or ongoing programs here come from the federal government and 0 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.