Affordable Homeownership

Housing Services oversees the Affordable Homeownership program in Chatham-Kent. If you qualify, you can receive 10% of the purchase price of a home, up to $10,000. Funding is in the form of a 20-year interest-free loan registered on the title. The home must:

To qualify you must:

  • Be a legal resident of Canada
  • Be at least 18 years of age
  • Be a current resident of Chatham-Kent
  • Have rented consecutively in Chatham-Kent for the last 12 months
  • Not own or not partially own another home or property
  • Not owe money to a Social Housing landlord
  • Have a total gross household income of $72,600 or less
  • Be eligible for a mortgage at a recognized financial institution - Click here for a list of NHA approved lenders
  • Intend to have this home as your one and only residence (you cannot transfer or lease it to someone else)

Note: Details are subject to change at the discretion of Chatham-Kent Housing Services (CKHS) and per the requirements of the Ministry of Municipal Affairs and Housing.


Download the Homeownership Application Form 


Review the Homeownership Fact Sheet  for detailed information on the requirements and eligibility criteria.

Submit your signed, dated and completed 'original' application (in person or by mail) along with all supporting documents to:

Chatham-Kent Housing Services
435 Grand Avenue West, PO Box 1296
Chatham, Ontario  N7M 5R9
Office Hours: Monday - Friday, 8:30 am - 4:30 pm (excluding holidays)