About the Program

The Home Ownership Program assists renter and first-time buyer households to purchase affordable homes by providing down payment assistance in the form of a forgivable loan.

Households that are currently renting or first-time buyers residing in the City of Kingston or the County of Frontenac and who do not have a vested interest in any other real estate may apply to the Home Ownership Program for down payment assistance equal to 10% of the purchase price up to a maximum of $45,000.

If you meet the program eligibility criteria and would like to purchase a home priced at $500,000 or less in the City of Kingston or the County of Frontenac, you may be eligible for this program. Please see the program guidelines for more information about the eligibility criteria.

This popular program is funded through a combination of municipal and provincial funding for residents of the City and the County of Frontenac.

All persons interested in buying a home can get insights and tips by visiting CMHC's website to review the Homebuying Step by Step Guide.

How to Apply

Interested households should review the Home Ownership Program guidelines and complete the program application form - which includes a list of required documentation to support the application.

Eligible applicants are encouraged to obtain all required documentation and submit a complete application package. Incomplete applications will not be placed in first-come, first-served order until all documentation is provided and the application is deemed complete.

Submit your application by:

• Email: housing@cityofkingston.ca
• Mail: City of Kingston, Housing and Social Services, 362 Montreal St., Kingston, Ontario, K7K 3H5 Attention: Homeownership Program
• In-person: Main reception on 2nd floor at 362 Montreal Street, Kingston, ON