In short
In Newfoundland and Labrador, 66 verified housing programs are available to individuals, federal programs included. The largest: Home Buyers' Plan (HBP), $60,000 limit; GST/HST First-Time Home Buyers' rebate, up to $50,000; First Home Savings Account (FHSA), $40,000 limit. 1 is on hold (waiting list or reopening with no date).
Buy
| Program | Amount | Status |
|---|---|---|
| Home Buyers' Plan (HBP)Canada Revenue Agency · Federal | $60,000 limit | Open |
| GST/HST First-Time Home Buyers' rebateCanada Revenue Agency · Federal | Up to $50,000 | Open |
| First Home Savings Account (FHSA)Canada Revenue Agency · Federal | $40,000 limit | Open |
See all 9 programs: home buying programs in Newfoundland and Labrador →
A mortgage broker builds the financing around these programs. See verified professionals →
Renovate
| Program | Amount | Status |
|---|---|---|
| Oil to Electric Incentive ProgramNewfoundland Power and Newfoundland and Labrador Hydro · Agency | Up to $22,000 | Open |
| Home accessibility tax credit (line 31285)Canada Revenue Agency · Federal | Credit on $20,000 | Open |
| Home Modification Program (HMP)Newfoundland and Labrador Housing Corporation · Provincial | Up to $15,000 | Openstatus not shown by the agency |
See all 21 programs: home renovation grants and rebates in Newfoundland and Labrador →
A home inspector finds the work to do before you apply. See verified professionals →
Save energy
| Program | Amount | Status |
|---|---|---|
| Oil to Electric Incentive ProgramNewfoundland Power and Newfoundland and Labrador Hydro · Agency | Up to $22,000 | Open |
| Home Repair ProgramNewfoundland and Labrador Housing Corporation · Provincial | Up to $13,000 | Open |
| Financing PlansNewfoundland Power · Agency | Up to $10,000 | Openstatus not shown by the agency |
See all 16 programs: home energy rebates and grants in Newfoundland and Labrador →
A home inspector assesses the envelope and heating. See verified professionals →
Adapt the home
| Program | Amount | Status |
|---|---|---|
| Home accessibility tax credit (line 31285)Canada Revenue Agency · Federal | Credit on $20,000 | Open |
| Home Modification Program (HMP)Newfoundland and Labrador Housing Corporation · Provincial | Up to $15,000 | Openstatus not shown by the agency |
| Veterans Independence Program (VIP)Veterans Affairs Canada · Federal | Up to $13,779.63 | Openstatus not shown by the agency |
See all 17 programs: home accessibility and seniors programs in Newfoundland and Labrador →
Property taxes
| Program | Amount | Status |
|---|---|---|
| Seniors ReductionCity of Marystown · Marystown · Municipal | Up to $100 | Open |
| Seniors Tax ReductionsCity of St. John's — Finance and Corporate Services · St. John's · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Senior Citizen's Property Tax ReductionCity of Mount Pearl · Mount Pearl · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
See all 23 programs: property tax relief in Newfoundland and Labrador →
An appraiser tells you whether your assessment is fair. See verified professionals →
Build new
| Program | Amount | Status |
|---|---|---|
| GST/HST First-Time Home Buyers' rebateCanada Revenue Agency · Federal | Up to $50,000 | Open |
| Newfoundland and Labrador new residential rental property (NRRP) rebateCanada Revenue Agency · Provincial | Up to $12,600 | Openstatus not shown by the agency |
| Housing Incentive Program – Secondary SuitesCity of Torbay · Torbay · Municipal | Up to $10,000 | Openstatus not shown by the agency |
See all 18 programs: new construction and rental housing programs in Newfoundland and Labrador →
Closed
17 programs in Newfoundland and Labrador are closed to new applications; they stay listed, with their date, on their project page.
A verified professional for your project
Frequently asked questions
What housing grants are available in Newfoundland and Labrador?
In Newfoundland and Labrador, 66 verified programs are available to individuals, federal programs included. By project: buy (9), renovate (21), save energy (16), adapt the home (17), property taxes (23), build new (18). One program can serve several projects.
What are the largest programs in Newfoundland and Labrador?
By largest published amount: Home Buyers' Plan (HBP), $60,000 limit (Canada Revenue Agency); GST/HST First-Time Home Buyers' rebate, up to $50,000 (Canada Revenue Agency); First Home Savings Account (FHSA), $40,000 limit (Canada Revenue Agency).
Are these programs open right now?
65 programs are open to applications and 1 is on hold (waiting list or reopening with no date). 17 programs closed recently: Oil to Heat Pump Affordability (OHPA) program; Canada Greener Homes Grant; Canada Greener Homes Loan, among others. For 50, the agency says neither open nor closed: the status is inferred from its active page. Statuses checked on each agency's page, most recently on November 7, 2026.
How do I apply?
You apply directly to each program's agency: the link to its official page is in the table. Payotte grants nothing and does not confirm eligibility; the agency's full conditions apply.
How this page is made
Every amount, date and condition was checked on the linked official page within the last 30 days; a program that has not been rechecked is left out. Payotte grants nothing and does not confirm eligibility: you apply to the agency. General information, not tax advice.
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