How much does Home Repair Program pay?

Published amounts run from $10,000 to $13,000, 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.

Where do you apply for Home Repair Program?

Apply: https://www.nlhc.nl.ca/housing-programs/provincial-home-repair-program-phrp/; Avalon regional office: (709) 724-3196.

Fix First Home › Atlantic Canada › Home Repair Program

Home Repair Program open

Administered by the Newfoundland and Labrador Housing Corporation.

Newfoundland and Labrador's repair money for low-income homeowners: a forgivable loan of up to $10,000, or $13,000 in Labrador, that you keep if you stay in the home five years. Since 1 October 2026 it also pays for the energy efficiency work the Home Energy Savings Program used to cover.

source · verified 2 October 2026

What it pays

Maximum forgivable loan per application
Upgrade	Condition	Up to
Home repairs	Island of Newfoundland: structural, heating, roofing, water, electrical, septic or energy efficiency	$10,000
Home repairs	Labrador	$13,000

What changed on 1 October 2026
	Before	Since 1 October 2026
Forgivable loan	$5,000 ($6,500 in Labrador)	$10,000 ($13,000 in Labrador)
Lifetime maximum	$12,500	$30,000
Wait to apply again	Seven years	Five years
Inspections	Before and after, by NLHC	Not required
Energy efficiency work	A separate programme, the Home Energy Savings Program	Part of this programme

Forgiveness: Nothing to repay if you stay in the home five years; move out after three or four and part of it may have to be repaid
Applications open: Open since 1 October 2026, online through your regional office's link or on the paper form dated 1 October 2026

Who is eligible

Who can apply

Combined household income under $42,500, or under $65,000 in Labrador
You have owned and lived in the home for at least five years
You are not an NLHC client (a tenant of the housing corporation)
If you were funded more than five years ago you can apply again, up to $30,000 over your lifetime

Where the application goes

Online through the link for your nearest regional office, or on paper; regional offices take questions.

Where the application goes
If this is you	Apply here
Apply	nlhc.nl.ca
Avalon regional office	(709) 724-3196

The thing most pages get wrong

Most pages still describe the old programme. Aggregators quote the $5,000 ($6,500 in Labrador) loan that doubled on 1 October, and the Home Energy Savings Program still has its own pages: NLHC's offers "a grant up to $5,000" and, still on 2 October, says to check back in the fall, the province's climate page still says it is for electrically heated homes under $32,500, and takeCHARGE still lists it. There is no separate energy programme any more; the work is paid through this one.

Accessibility is a separate programme

The Home Modification Program pays for ramps, grab bars, handrails, walk-in showers and wider doorways: a forgivable loan of up to $15,000 (it was $7,500), for incomes of $51,500 or less, or $65,000 in Labrador. It also reopened on 1 October 2026. An occupational therapist's letter is now needed only for major work like a bathroom or a ramp.