Residential Rehabilitation Assistance Program (RRAP)
- Homeowner RRAP provides assistance to low
income homeowners to bring their properties up to minimum health and
safety levels. To qualify, a household's income must be below a
maximum established for the applicable area. Assistance is in the form
of a loan, part of which may not have to be repaid. In southern areas
of Canada, the maximum loan is $18,000, in northern areas it is
$21,000 and for far northern areas it is $27,000. The maximum amount
which may be forgiven varies from $12,000 in the south to $18,000 in
the far northern areas. The amount of forgiveness depends on household
income and is based on a percentage of the repair costs covered under
the program. Maximum forgiveness is available where the household
income is 60 per cent or less of an income threshold for a certain
area. Forgivable amounts decline to 0 per cent for households with
incomes at this threshold.
- RRAP for Disabled Persons provides assistance
to households occupied by persons with disabilities who require
special modifications to improve accessibility to their residence.
Assistance is in the form of a loan, part of which may not have to be
repaid. The maximum loan is $18,000 in southern areas, $21,000 in
northern areas and $27,000 in far northern areas. Forgiveness levels
are the same as for Homeowner RRAP. The forgiveness amounts depend on
household income and costs of the accessibility modifications.
- Rental RRAP provides assistance to landlords,
of affordable housing, to pay for mandatory repairs to self-contained
units occupied by tenants with incomes below the threshold for an
area. Eligibility is limited to projects having and maintaining rents
at or below the median market rent for the local area. Assistance is
in the form of a fully forgivable loan of up to 100 per cent of
mandatory repair costs. The amounts vary from $18,000 in southern
areas to $27,000 in far northern areas.
- Rooming House RRAP provides assistance to
owners of rooming houses, intended for permanent accommodation, with
rents affordable to low-income individuals. Assistance is in the form
of a fully forgivable loan of up to 100 per cent of mandatory repair
costs. Maximum forgivable amounts available per unit are the same as
for Homeowner RRAP.
Emergency Repair Program (ERP)
provides assistance to homeowners in rural and remote areas to undertake
emergency repairs required for the continued safe occupancy of their
houses. A significant portion of this program is directed to Aboriginal
peoples. Assistance, in the form of a grant, depends on the cost of
repairs. Maximum contributions vary from $4,635 in southern areas to
$8,242 in far northern areas.
Home Adaptations for Seniors Independence (HASI)
HASI assists low-income elderly Canadians, whose difficulties in daily
living can be addressed by certain adaptations to their homes.
HASI provides one-time, non-repayable contributions of up to $2,500.
The exact grant amount is based on material costs and labour necessary for
required adaptations. To obtain assistance, applicants must be 65 years or
older. Household income must be less than the income threshold established
for the type of household in the local area.
CMHC
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