• 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 $3,500. 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 web site