Affordable Homeownership Program

The Affordable Homeownership Program aims to assist low-to-moderate income renter households, in Simcoe County, to purchase an affordable home by providing 10% down payment assistance in the form of a 20-year forgivable loan.

The Program provides renter households with the opportunity to move to homeownership thereby freeing up rental units, encouraging developers to build affordable housing and fostering demand.

A percentage of available funding will be designated for applicants currently living in Social Housing or those who self-identify as Indigenous households

Frequently Asked Questions

For Homeownership Program FAQs can be found here

View ​more in-depth information from the program brochure here​​.

Alternative programs

Applicants cannot access multiple programs, please carefully consider which program best fits your needs.

Affordable Homeownership Program​, administered by the County of Simcoe  

FIMUR 2014/20 Homeownership Program administered by Ontario Aboriginal Housing Services.

How to Apply

Mortgage Pre-Approval – Please contact a mortgage broker, trust company, credit union, bank or other qualified lender of your choice to apply for a no cost mortgage pre-approval.

Application – Complete the County of Simcoe Affordable Homeownership Program Application, download the application here: Homeownership Program Application 2025-26​​.​​

Attach Required Supporting Documents – Review your application carefully to ensure all requested supporting documentation is att​ached. Applications that are incomplete or missing required documentation will be returned.

Submit Application – Applications can be submitted by email to iah@simcoe.ca.​​

For assistance with the Homeownership Program Application or to have an application

package mailed to you, please call, 705 725-7215 x1119 or email iah@simcoe.ca.​

Ontario Renovates

Ontario Renovates (Home Repairs):

The Ontario Renovates Program includes funding for urgent repairs, renovations, and accessibility modifications for low to moderate income homeowners. Funding of up to $15,000 per unit is available. Accessibility modifications are particularly beneficial for seniors to allow them to ‘age in place’ and persons with disabilities who require unit modifications.

Application intake for urgent home repairs and accessibility modifications is year round; however, as funding is limite​d, applicants may be placed on a waitlist.  Applications are reviewed in the order they are received.​

For application details, review the Application Package​.​

For more information on Urgent Home Repair​s and Accessibility Modifications, read this Fact Sheet​.​​

For a list of Frequently Asked Questions, check out the FAQ​.

​See also: Secondary Suites Program