In short
In Toronto, 17 verified municipal housing programs are offered, on top of the 49 provincial and federal programs available everywhere in Ontario. The largest: Home Energy Loan Program (HELP), up to $125,000; Eco-Roof Incentive Program – Green Roof Incentive, up to $100,000; Eco-Roof Incentive Program – Cool Roof Incentive, up to $50,000. 2 are on hold.
Municipal programs: Toronto
| Program | Amount | Status |
|---|---|---|
| Home Energy Loan Program (HELP)City of Toronto · Municipal | Up to $125,000 | Open |
| Eco-Roof Incentive Program – Green Roof IncentiveCity of Toronto · Municipal | Up to $100,000 | Open |
| Eco-Roof Incentive Program – Cool Roof IncentiveCity of Toronto · Municipal | Up to $50,000 | Open |
| Rockcliffe No Fault Grant for Basement Flooding Damages ProgramCity of Toronto — Toronto Water · Municipal | Up to $7,500 | Openstatus not shown by the agency |
| Basement Flooding Protection Subsidy ProgramCity of Toronto · Municipal | Up to $6,650 | Open |
| Municipal Land Transfer Tax Rebate for First-Time PurchasersCity of Toronto · Municipal | Up to $4,475 | Open |
| Property Tax Appeal: Sickness or Extreme PovertyCity of Toronto · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Emergency Housing Help – Housing Stabilization FundCity of Toronto · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Toronto Rent BankCity of Toronto · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Rent-Geared-to-Income HousingCity of Toronto · Municipal | Depends on the project (see the official page) | On hold |
| Canada-Ontario Housing Benefit (COHB)City of Toronto · Municipal | Depends on the project (see the official page) | Open |
| Commercial Rent Supplement Program for RGI HousingCity of Toronto · Municipal | Depends on the project (see the official page) | On hold |
| Multi-Tenant Houses Renovation & Repair ProgramCity of Toronto — Housing Secretariat · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Laneway and Garden Suite Development Charges Deferral ProgramCity of Toronto — Housing Secretariat · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Heritage Grant ProgramCity of Toronto — Heritage Planning · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Property Tax Appeal – Cancellation, Reduction or Refund of TaxesCity of Toronto — Revenue Services · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Home Dialysis Water Rebate ProgramCity of Toronto · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
Provincial and federal programs that apply in Toronto
Buy
| Program | Amount | Status |
|---|---|---|
| Ontario first-time home buyers' (Ontario FTHB) rebateCanada Revenue Agency · Provincial | Up to $80,000 | Openstatus not shown by the agency |
| 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 |
Renovate
| Program | Amount | Status |
|---|---|---|
| Disaster Recovery Assistance for Ontarians (DRAO)Ontario Ministry of Municipal Affairs and Housing · Provincial | Up to $250,000 | Openstatus not shown by the agency |
| Home accessibility tax credit (line 31285)Canada Revenue Agency · Federal | Credit on $20,000 | Open |
| Veterans Independence Program (VIP)Veterans Affairs Canada · Federal | Up to $13,779.63 | Openstatus not shown by the agency |
All programs: home renovation grants and rebates in Ontario →
Save energy
| Program | Amount | Status |
|---|---|---|
| Home Renovation Savings ProgramEnbridge Gas and Save on Energy (IESO) · Agency | Up to $12,000 | Open |
| Low-income Energy Assistance Program (LEAP)Ontario Energy Board · Provincial | Up to $780 | Openstatus not shown by the agency |
| my Energy RewardsHydro One Networks Inc. · Agency | Up to $100 | Openstatus not shown by the agency |
Adapt the home
| Program | Amount | Status |
|---|---|---|
| Home accessibility tax credit (line 31285)Canada Revenue Agency · Federal | Credit on $20,000 | Open |
| Veterans Independence Program (VIP)Veterans Affairs Canada · Federal | Up to $13,779.63 | Openstatus not shown by the agency |
| Home adaptations – Veterans Independence Program (VIP)Veterans Affairs Canada · Federal | Up to $7,883.78 | Openstatus not shown by the agency |
All programs: home accessibility and seniors programs in Ontario →
Property taxes
| Program | Amount | Status |
|---|---|---|
| Senior Homeowners’ Property Tax GrantGovernment of Ontario · Provincial | Up to $500 | Openstatus not shown by the agency |
| Ontario Trillium BenefitGovernment of Ontario · Provincial | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Heritage property tax reliefGovernment of Ontario · Provincial | Depends on the project (see the official page) | Openstatus not shown by the agency |
Build new
| Program | Amount | Status |
|---|---|---|
| Ontario first-time home buyers' (Ontario FTHB) rebateCanada Revenue Agency · Provincial | Up to $80,000 | Openstatus not shown by the agency |
| Ontario new residential rental property (NRRP) rebate and Ontario enhanced NRRP (ENRRP) rebateCanada Revenue Agency · Provincial | Up to $80,000 | Openstatus not shown by the agency |
| GST/HST First-Time Home Buyers' rebateCanada Revenue Agency · Federal | Up to $50,000 | Open |
All programs: new construction and rental housing programs in Ontario →
Frequently asked questions
What housing programs are offered in Toronto?
17 verified municipal programs: buy (1), renovate (7), save energy (3), property taxes (3), build new (7). The largest: Home Energy Loan Program (HELP), up to $125,000; Eco-Roof Incentive Program – Green Roof Incentive, up to $100,000; Eco-Roof Incentive Program – Cool Roof Incentive, up to $50,000.
What other programs apply to a home in Toronto?
The 49 provincial and federal programs available everywhere in Ontario. The largest: Disaster Recovery Assistance for Ontarians (DRAO), up to $250,000; Ontario first-time home buyers' (Ontario FTHB) rebate, up to $80,000; Ontario new residential rental property (NRRP) rebate and Ontario enhanced NRRP (ENRRP) rebate, up to $80,000.
Are these programs open right now?
15 programs are open to applications and 2 are on hold (waiting list or reopening with no date). 3 programs closed recently: Property Tax, Water & Solid Waste Relief; Co-Operative Housing Grant Program; Heat Pump Assistance Program. For 9, 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. When the agency's page says neither open nor closed, the status is inferred and labelled as such. Payotte grants nothing and does not confirm eligibility: you apply to the agency. General information, not tax advice.