Government Grant Waiting List

The purpose of the Homeownership Component of the Canada-Ontario Affordable Housing Program (AHP) is to provide down payment assistance in the form of a forgivable loan to eligible individuals and families for the purchase of a home.
The County of Simcoe has committed to delivering the Homeownership Program for a minimum of 15 years. Therefore, any down payment assistance that is paid back to the County by purchasers is held in a ‘Revolving Fund’ to be redistributed to future home owners.
The purpose of this Application is to be placed on a waiting list for future funding.
  • Funding is available on a first come, first served basis.
  • When your name comes up on the waiting list, you will be advised of the maximum purchase price of the home and amount of down payment available
Eligible Homes Considered
  • Homes must be modest in size and located in Simcoe County
  • You will be advised of the maximum purchase price when your name comes up on the waiting list
  • Persons seeking funds to offset construction costs on land that they currently own are not eligible for funding
  • Units may be detached, semi-detached, condominiums, stacked homes, row/town houses, or apartments (mobile homes and homes on reserve land are ineligible)
  • The AHP down payment assistance loan is considered by CMHC as homeowner equity for the purposes of securing CMHC mortgage insurance.
  • The AHP Loan is registered on title.
Minimum Household Eligibility
  • Must be a renter household buying a sole and principal residence
  • Cannot currently own a home or have any vested interest in a residence/land
  • Must provide proof of gross household income at or below $73,500
  • Have assets of no more than $20,000
  • No outstanding arrears if a former tenant of social housing in Ontario
  • At lease 18 years of age, Canadian citizen, landed immigrant, or have Refugee Claimant status
  • Supply photo identification and birth certificate
  • Provide documentation showing mortgage pre-approval upon request
Application Process
  • Only complete applications will be considered
  • An application must have all information entered, and all supporting documentation provided to be considered complete
  • Incomplete applications will be returned
Conditions for Repayment
  • No repayment of the loan if home is sold after 20 years
  • If the home is sold before 20 year period expires, you must repay the original loan plus a percentage of the realized capital gain
  • If the home is sold before 20 year period expires and seller experiences a capital loss, repayment would be forgiven provided the sale meets the following criteria:
-           the unit is sold at a fair market value; and
-           the purchase and sale of the unit is an arm’s-length transaction
  • If the purchaser is in default of any term of the Loan Agreement within 20 years of the date of purchase, it is deemed a sale and the loan, plus a percentage of the increase in market value, becomes immediately due.


Please complete and return this application along with all necessary documentation to:
County of Simcoe
Social Housing Department
1110 Hwy. 26 West
Midhurst, ON L0L 1X0
705 725-7215
705 722-4720 FAX
__________________________________________                       ______________________________
Name of Applicant                                                                   Home Number
_____________________________________________                 ______________________________
Current Address – Apt. No., Street                                      Work/Cell Number
_____________________________________________                 ______________________________
City or Town                           Postal Code                            E-mail
_____________________________________________                 ______________________________
Name of Co-Applicant                                                              Home Number
____________________________________________                   ______________________________
Current Address – Apt. No., Street                                      work/Cell Number
_____________________________________________                 ______________________________
City or Town                              Postal Code                              E-mail
other household members who will be living with you
1.__________________________________                      Date of Birth    MM ____ Day ____ Year ________
2.__________________________________                      Date of Birth    MM ____ Day ____ Year ________
3.__________________________________                      Date of Birth    MM ____ Day ____ Year ________
Check ‘Yes or No’ for the following:                       
Yes      No
1        1         I/We are at least 18 years old
1        1         I/We are currently renting
1        1         Our total gross household income is less than $73,500
1        1         I/We have less than $20,000 in liquid assets (ie. savings, bonds, RRSP’s, certificates, etc.)
1        1         I/We will use the home as our sole and principal residence
1         1         I/We currently reside in rent-geared-to-income housing
                        If yes, Landlord’ name:            _______________________________________
1        1         Do you currently own a home/land or an interest in a home/land
1         1         I/We have read the attached information about the program and                                                      understand the rules and eligibility requirements.
4         copies of birth certificates and 2 pieces of photo identification for all members of the household over the age of 18, not attending school full time
4         2008 Canada Revenue Agency “Notice of Assessment” for each household member over the age of 18, not attanding school full time
4         Copy of rent receipt or letter from landlord
If any of the above documentation is missing, the application will be deemed incomplete and returned to the applicant
I/we hereby declare and certify that the above information is correct. I/we understand that this is an application for a forgivable loan under the Homeownership Component– Affordable Housing Program, the purpose of which is to allow the County of Simcoe to determine if the purchaser and the home are eligible. final confirmation of eligibility and availability of funds will be required prior to any forgivable loan being made. In the event of false or misleading information, the County of Simcoe has the right to disqualify the applicant(s) at any time.
Personal information contained in this form or any attachments hereto is collected by the County of Simcoe for the purpose of determining initial and ongoing eligibility for Homeownership Funding – Affordable Housing Program in accordance with the Municipal Freedom of Information and Protection of Privacy Act.
Any questions regarding the collection or release of this information should be directed to:
the Clerk’s Office, County of Simcoe, 1110 Hwy. 26 West, Midhurst, ON L0L 1X0
_____________________________         _____________________________         ________________
Applicant Signature                                        Print Name                                           Date
_____________________________         _____________________________         ________________
co-applicant Signature                                   Print Name                                           Date
Aileen Chen

Aileen Chen

Real Estate Broker
CENTURY 21 B.J. Roth Realty Ltd., Brokerage*
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