Through our Non-Profit Housing Program, we support First Nation communities by providing financial assistance to build affordable rental housing on-reserve. Apply for subsidies and loans to help construct, purchase and rehabilitate, as well as manage non-profit housing in your community.

Who’s eligible for the Program?

All First Nation communities are eligible for this program.

Applications for Ministerial Loan Guarantees must be approved by Indigenous and Northern Affairs Canada (INAC).

How does the Program work?

First, a housing subsidy is provided to your community to help you operate and administer affordable rental housing. It will run for a maximum of 25 years, or the length of the project loan amortization period, whichever is less. The subsidy amount is determined as follows:

project subsidy = loan repayment + operating expenses − revenue

Financing for the construction or purchase and rehabilitation of the homes may be obtained through CMHC’s Direct Lending or through Approved Lenders such as an Aboriginal Capital Corporation, banks and trust companies.

All loans under this program are:

  • for up to 100% of the total eligible capital cost of a housing project
  • insured under the National Housing Act
  • guaranteed by INAC under a Ministerial Loan Guarantee

You can also apply for our proposal development funding — an interest-free, repayable loan — to support your on-reserve housing project.

For more information about this program, please contact your local CMHC office or CMHC consultant.

Date Published: March 31, 2018