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Housing Programs


Rental Housing Program

NLHC owns and administers approximately 5,573 social housing units throughout various regions of the province, with the greatest concentration of units located in St. John’s (3,178) and Corner Brook (802). Low-income earners are the beneficiaries of the program with rental rates based on 25 per cent of monthly income. Approximately 55 per cent of tenants pay their own rent and are working or are on fixed income. There are an estimated 14,000 individuals housed in NLHC units under this program. Click here for further information.


Downpayment Assistance Program (DAP)

The program provides eligible households a repayable loan of up to five percent of the purchase price of a new or existing home, to a maximum purchase price of $200,000 ($250,000 in the St. John's Metro region and Labrador). Applicants must be first-time homebuyers with a total household income of less than $65,000 and meet all other criteria for approval from a financial institution.Click here for further information.

Provincial Home Repair Program (PHRP)

PHRP is a federal/provincial cost-shared initiative which is administered/delivered by NLHC. Low-income households are assisted under this program with modest assistance levels to improve privately owned households. The average homeowner recipient is 68 years old, has an annual income of $18,646 and occupies a 48-year old house. Click here for further information.

Home Modification Program (HMP)

HMP is designed to provide funding to low-to-moderate income homeowners ($46,500 or less), persons with disabilities who require accessibility changes to their residences, which can help promote independence, self-reliance, assist with a better quality of life, and enable individuals to remain in their own homes for a longer period. HMP is not limited to people 65 years of age and over. Click here for further information.

Residential Energy Efficiency Program (REEP)

REEP is a provincial initiative designed to assist low-income households ($32,500 or less per year) in making energy efficient retrofits to their homes. These retrofits will make housing more affordable and reduce greenhouse gas emissions that contribute to climate change. For owners of single, row and semi-detached housing, assistance is available in the form of a grant up to $3,000 per unit on the island and up to $4,000 per unit in Labrador. Click here for further information.


Provincial Homelessness Fund (PHF)

PHF is designed to provide funding to assist registered non-profit organizations by providing funding for the development of support services space for the provision of on-site and outreach services. These services promote housing stability and greater self reliance for those at risk of homelessness. The space can be developed either through new modest construction or renovation of an existing building. PHF funding is not available for the purchase of a building. Click here for further information.

Investment in Affordable Housing (IAH)

This program is cost-shared 50/50 with the federal government and delivered by NLHC. The purpose of the Investment in Affordable Housing is to assist in the creation of modest, affordable rental housing which will benefit as many low-income households as possible. Eligible private sector or non-profit supportive housing sector proponents may receive capital funding in the form of a forgivable loan for the construction of affordable housing units for seniors, families, persons with disabilities or persons with complex needs. Click here for further information.

Partner-Managed Housing Program

This program is directed in support of social housing initiatives largely in partnership with partner-managed non-profit housing groups. Most of the approximately 1,026 social housing units under this program are operated directly by individual groups with NLHC holding the mortgage on these properties and providing operating assistance. Overall, approximately 80 per cent of the partner-managed units are occupied by seniors with an average age of 76 years and an average annual income of $15,000. Click here to view Operating Guide.

Supportive Living Program (SLP)

The Supportive Living Program, an initiative funded through the Poverty Reduction Strategy, provides operating grants to incorporated non-profit organizations to prevent and end homelessness. Click here for further information.