Making your home accessible — installing ramps, grab bars, stairlifts, or widening doorways — can cost tens of thousands of dollars. Fortunately, Canadian federal and provincial programs provide grants, loans, and tax credits to help offset these costs. The federal Home Accessibility Tax Credit (HATC) alone can save up to $3,000/year in federal taxes. Stack it with provincial programs and you can recover 30–50% of renovation costs.
The HATC is a 15% non-refundable federal tax credit on up to $20,000 of eligible home renovation expenses per year, per dwelling. It was introduced to help seniors and persons with disabilities remain in their homes safely. The maximum federal savings is $3,000/year. Renovations must be made to a dwelling that is the principal residence of the eligible individual.
CMHC's RRAP for Persons with Disabilities provides forgivable loans (grants) to help low-income homeowners and renters make their homes accessible. Amounts vary by province and situation — typically $16,000–$24,000 per property. The loan is forgiven over time if you continue to occupy the home. Contact your local CMHC office to check current funding availability, as this program has periodic intake periods.
| Province | Program | Maximum Benefit |
|---|---|---|
| Ontario | Home and Vehicle Modification Program (MOSD) | Up to $15,000 for modifications |
| BC | SAFER / RRAP-D via BC Housing | Varies by program |
| Alberta | SHARP (Seniors Home Adaptation and Repair Program) | Up to $40,000 low-interest loan |
| Quebec | PRIPH / LogiRénov | Up to $16,000 grant |
| Nova Scotia | Senior Citizens Assistance Program | Up to $12,000 |
Canadian veterans with service-related disabilities may qualify for home modification funding through Veterans Affairs Canada's Veterans Independence Program (VIP). This can cover the cost of making a home fully accessible without income testing for service-related conditions.
The HATC can be combined with provincial grants and CMHC programs — you can claim the HATC on renovation costs even after receiving a provincial grant. However, if a grant covered a portion of the cost, you may only claim the portion you actually paid out of pocket on the HATC. Stack programs strategically:
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Get KOHO Free — Code 45ET55JSYAInformational only. Grant programs have limited funding and intake periods — check directly with program offices. Last updated March 2026.