Ontario Renovates: home repair and accessibility funding

Ontario Renovates is run by each region's housing office, not by the province, so whether it's offered, how much it pays and when it opens depend on where you live.

By ParentCare Ontario Editorial, published by Otonabee Marketing. Facts checked October 28, 2026. General information, not tax, legal or medical advice.

Where it's offered, it usually gives low- and moderate-income homeowners a 10-year forgivable loan for essential repairs, with part of the cost of accessibility changes paid as a grant. Most programs have a home value cap and require quotes from licensed contractors. Work started before approval isn't funded.

What we found in the largest areas

Area	What's offered	Status
London and Middlesex	Up to $25,000; first $5,000 accessibility is a grant; 60+ or disability; income up to $95,000; assessed value up to $320,000	Intake closed October 30, 2026; expected to reopen April 1, 2027
Waterloo Region	Up to $25,000 forgivable loan; assessed value up to $505,469; apply by December 1	Open in 2026
Ottawa	Up to $20,000 ($15,000 loan + $5,000 grant); 65+ or disability; home value up to $670,908	2026 intake not confirmed; call 613-580-2424 ext. 12300
Hamilton	Income up to $60,000; assessed value up to $300,000; OT letter for accessibility work	Call 905-546-2424 ext. 2758 for intake dates
Niagara Region	Forgivable loan; $5,000 accessibility portion not repaid; assets up to $40,000	Call 905-980-6000 ext. 3954 for intake dates
Toronto	No homeowner repair program found	Toronto offers tax and water relief for low-income seniors instead
Peel, Durham and Halton regions	No homeowner program found	Call your region's housing office to confirm
York Region and Windsor-Essex	Not confirmed	Call your region's housing office

Not listed? Every part of Ontario has a housing "service manager" (your region, county, city or district social services board). Search your municipality's website for "Ontario Renovates" or call its housing office.

If Ontario Renovates isn't available, see the other funding programs, such as March of Dimes.

Facts checked October 28, 2026. We take every amount from the official source and recheck each January and July. Always confirm with the program before you apply.