How much does Durham Greener Homes Loan pay?

Published amounts run from $2,500 to $5,000, depending on the upgrade and the conditions attached to it. Every amount and its conditions are listed on this page, each with the date it was last verified against the administrator's own page.

What disqualifies you from Durham Greener Homes Loan?

Appliances, cosmetic upgrades, routine maintenance, and work already done. Properties in the City of Pickering.

Where do you apply for Durham Greener Homes Loan?

Apply: https://durhamgreenerhomes.ca/financial/loans/durham-region/.

Fix First Home › Ontario › Durham Greener Homes Loan

Durham Greener Homes Loan open

Administered by the Region of Durham, delivered with Windfall Ecology Centre.

Durham Region's home energy loan: up to $125,000 at 2% fixed, repaid over 15 years on the property tax bill, with up to a fifth of it allowed for flood, heat and wind protection. It is open across the region except Pickering, and Whitby residents can add a deep-retrofit rebate of $2,500 to $5,000.

source · verified 27 September 2026

What it pays

Interest rate: 2%, fixed
Term: 15 years, fixed
Most you can borrow: $125,000
What it can pay for: 80% energy efficiency, and up to 20% weather resiliency: flooding, heat, wind
How you repay: A local improvement charge on the property tax bill

Durham's own repayment examples, 2% over 15 years
Borrowed	Monthly	Total repaid
$10,000	$64.35	$11,583.16
$50,000	$321.75	$57,915.78
$100,000	$643.51	$115,831.57
$125,000	$804.39	$144,789.46

Whitby Deep Retrofit Rebate: $50 more for every point over 50%
Upgrade	Condition	Up to
Deep retrofit	Whitby only: a 50% cut in energy use	$2,500
Deep retrofit	Whitby only: a 70% cut	$3,500
Deep retrofit	Whitby only: a 90% cut	$4,500
Deep retrofit	Whitby only: a 100% cut	$5,000

The Whitby rebate needs a project of at least $30,000 before tax, stacks with other programmes, and is paid by cheque one to two months after approval.

Who is eligible

What you need

A home in Durham Region outside the City of Pickering
A pre-retrofit EnerGuide evaluation done on or after 28 April 2022, and a post-retrofit one
Agreement to take part in case studies and to share at least 24 months of energy and utility data from before and after
A free Greener Homes Coach is the starting point

What disqualifies you

The rules people find out about after the work is done.

Appliances, cosmetic upgrades, routine maintenance, and work already done.
Properties in the City of Pickering.

Where the application goes

Start with a Greener Homes Coach through the programme site.

Where the application goes
If this is you	Apply here
Apply	durhamgreenerhomes.ca

The thing most pages get wrong

Whitby's page promotes a rebate that is gone. The Deep Retrofit page says Whitby residents can get up to another $5,000 through the Weather-ready Whitby rebate, but that rebate's own page says it "is now fully subscribed and no longer available to new applicants". Rebate sites also quote the deep-retrofit rebate at up to $10,000; its table stops at $5,000.

When the money arrives: two answers

The loan page offers "an initial disbursement of up to 50% of the eligible funds". The terms on the same site say "Loans are only disbursed upon completion of the project and post-retrofit EnerGuide evaluation". Ask before you promise a contractor a deposit.