Financing (a combination of a grant and loan) for up to 80% of total eligible project costs

Up to a maximum combined financing of $10 million

Grants are available for 25–50% of total financing – grant and loan proportions are based on anticipated energy performance (e.g., a 35% energy reduction would result in a 35% grant*)

*Northern providers are eligible for additional grant funding. Please see application guide for details.

Who can apply
  • Canadian municipal governments (e.g., towns, cities, regions, districts and local boards thereof)
  • Municipally owned corporations, such as municipal housing service providers; or
  • Non-profit, mission-driven affordable housing providers, including cooperatives.
Deadline to apply

Applications are accepted year-round, though this offer will close when the annual funding has been allocated.

We fund retrofit capital projects that integrate leading-edge deep energy efficiency measures and onsite renewable energy generation for existing affordable housing units through a combination of loans and grants.

This funding supports measures to install or update physical infrastructure to improve existing buildings’ energy performance and maintain housing for the long-term.

Eligibility requirements

To be eligible for funding, retrofits must achieve a 25% reduction in energy consumption. See application guide for more details. 

Time to complete projects

Projects are typically expected to be completed within three years of FCM approval.


Funding is stackable with CMHC's Co-Investment Fund and other initiatives of the National Housing Strategy, as well as programs available through the provinces or territories.

We reserve the right to make changes to eligibility criteria and the types of projects funded through this offer.

How to Apply
  1. Download and review our application guide. 
  2. Ensure you have all supporting documentation required, including a detailed project budget in place. Refer to the application guide for a complete list (Appendix B).
  3. Complete and submit the initial proposal form and project summary sheet.
  4. Receive eligibility confirmation and full application form from GMF within three weeks.
  5. Complete and submit the full application and project workbook.

Quebec municipalities

FCM has an agreement with Quebec's Ministère des Affaires municipales et de l’Habitation (MAMH) that allows the ministry to review applications to GMF before they are submitted to FCM. Quebec municipalities and municipally-owned corporations interested in applying should contact GMF.

Municipally-owned corporations are not included in the agreement with MAMH. They must obtain authorization from the Quebec government to secure an agreement with FCM, in accordance with the Ministère du Conseil exécutif. Private non-profit organizations can submit to GMF directly.

© 2021 Federation of Canadian Municipalities