Government Grants & Tax Credits

Up to $25,000 for a typical accessibility renovation,
and we navigate every application for you.

Seven federal and provincial programs can cover 20 to 40% of your home renovation costs. The challenge is knowing which ones you qualify for, when to apply, and how to stack them. That's where we come in.

Cornerstone Guide

How to stack seven programs into the maximum funding you qualify for

The complete Ottawa guide: which programs combine, which don't, the order to apply in, and three real-world scenarios with the full math. The single most valuable page for any family planning accessibility renovations.

Available Programs

Seven programs you may qualify for

Click any program to read the complete Ottawa-specific guide, eligibility, covered expenses, application steps, and how it stacks with the others.

Federal

Home Accessibility Tax Credit (HATC)

Up to $3,000

15% of up to $20,000 in eligible expenses

Who qualifies: Canadians 65+ or persons eligible for the Disability Tax Credit. Available to homeowners and renters.

Federal

Multigenerational Home Renovation Tax Credit (MHRTC)

Up to $7,500

Refundable, 15% of up to $50,000

Who qualifies: Building a self-contained secondary suite for a senior (65+) or adult with a disability to live with family.

Provincial

Ontario Renovates (Ottawa)

Up to $20,000

$15K forgivable loan + $5K grant

Who qualifies: Low-to-moderate income homeowners in Ottawa. Income and asset tested by the City of Ottawa.

Provincial

Home and Vehicle Modification Program (HVMP)

Up to $15,000

Lifetime maximum for home modifications

Who qualifies: Permanent mobility-impacting disability. Income-tested. Requires an Occupational Therapy assessment.

Provincial

Assistive Devices Program (ADP)

Up to 75%

Of approved device cost (wheelchairs, scooters, positioning, etc.)

Who qualifies: Valid OHIP, long-term physical disability (6+ months). Requires OT or physiotherapist authorization.

Federal

Veterans Independence Program (VIP)

Up to $7,729/yr

Annual home adaptation benefit (2025)

Who qualifies: Canadian veterans receiving a VAC disability benefit, War Veterans Allowance, or POW Compensation.

Federal

Medical Expense Tax Credit (METC)

~20% effective

Stacks with HATC on the same expenses

Who qualifies: Severe and prolonged impairment where the renovation is medically necessary. Documentation-driven.

How We Help

We guide you through the paperwork.
You keep the savings.

01

We identify your eligibility

During your free home assessment, we review your situation against every available federal and provincial program. Age, income, disability status, project scope — we check it all.

02

We prepare your documentation

Grant applications require specific documentation, timelines, and professional assessments. We prepare the reports, quotes, and invoices your application needs, coordinate OT evaluations when needed, and walk you through each submission.

03

We maximize your total savings

We stack programs strategically — grants first to reduce out-of-pocket cost, then tax credits on the remainder. Clients typically save 20–40% on total project costs.

See your estimated savings in 2 minutes

Our free Savings Calculator cross-references your age, income, project type, and location against every available program, and shows you exactly what you may qualify for.

Try the Savings Calculator

Frequently asked questions

What government grants are available for home renovations in Ontario in 2026?+
Seven programs apply to Ottawa homeowners: the federal Home Accessibility Tax Credit (HATC), Multigenerational Home Renovation Tax Credit (MHRTC), and Medical Expense Tax Credit (METC); the provincial Ontario Renovates, Home and Vehicle Modification Program (HVMP), and Assistive Devices Program (ADP); and the federal Veterans Independence Program (VIP) for veterans. Combined, a typical accessibility renovation can be reduced by about $25,000, and a qualifying multigenerational project can reach substantially more; our stacking guide shows the full breakdown.
Can I combine multiple grants for one renovation project?+
Yes, most programs are designed to stack. The CRA explicitly permits claiming the same eligible expense under both HATC (line 31285) and METC (lines 33099/33199) on the same tax return. Federal tax credits are not reduced by provincial grants or forgivable loans, so you can receive Ontario Renovates funding and still claim the HATC on the remaining eligible expenses. The only restriction is that you cannot receive duplicate funding for the identical item from two programs (for example, two programs covering the same power wheelchair). Still at Home identifies every legal stacking combination for each client. See our full stacking guide at /grants/stacking-guide for the complete strategy.
Do I need to apply for grants before starting my renovation?+
For grant programs like Ontario Renovates, HVMP, and VIP, yes. You must be approved in writing before work begins or the application is void. Tax credits like HATC, MHRTC, and METC are claimed on your annual tax return after the work is completed. Still at Home helps you plan the timing so you never miss a deadline.
How does Still at Home help with grant applications?+
We guide you through the whole process: we identify which programs you may qualify for, explain each application, and provide the documentation applications require from our own work, including assessment reports, quotes, and invoices. We also coordinate required assessments, like OT evaluations for HVMP. You or your family submit the applications, with everything you need ready at each step. Grant navigation is included in our managed service at no additional cost.
Who qualifies for the Home Accessibility Tax Credit (HATC)?+
The HATC is available to Canadian residents who are 65 or older by the end of the tax year, or who are eligible for the Disability Tax Credit. Both homeowners and renters can claim it. Eligible expenses include grab bars, walk-in showers, ramps, door widening, and other accessibility modifications.

Not sure what you qualify for?

Book a free home assessment. We will review your eligibility for every available grant and tax credit and make sure your application has everything it needs.