◆ CATALOG / FEDERAL FUNDING V2.0 · APRIL 2026
6 PROGRAMS · ONTARIO · CANADA
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Federal housing dollars are flowing to prefab. Here’s how to access them.

Canada’s federal government has committed billions to accelerate housing construction — and prefabricated and modular delivery is explicitly prioritized in most of these programs. If you’re building housing in Ontario using prefab, there is likely a federal program that applies to your project.

Browse Programs Talk to Us About Funding

Build Canada Homes

Build Canada Homes (BCH) is the federal government’s newest housing agency, established to build and finance affordable housing at scale. BCH explicitly prioritizes factory-built and prefabricated construction as a core delivery method. It is actively seeking partnerships with housing operators, developers, municipalities, and prefab manufacturers.

TARGET
500,000 new homes annually by 2031
FOCUS
Non-profit, affordable, and mixed-income housing on federal lands
PREFAB PRIORITY
Factory-built and modular construction is a stated delivery preference
◆ HOW PBC HELPS

We structure delivery models, costs, and timelines compatible with BCH partnership criteria — repeatable floor plans, phased delivery, and factory-built consistency at the volume the agency is mandated to produce.

CMHC Apartment
Construction Loan Program

The ACLP provides low-cost loans to encourage rental housing construction across Canada. $500M of the program is specifically dedicated to rental projects using prefabricated and modular construction. CMHC-insured modular apartment loans can reach 90–95% loan-to-cost at interest rates typically 1–2% below conventional rates.

ELIGIBLE
Multi-unit rental housing using prefab/modular construction
ADVANTAGE
Higher LTC and lower rates than conventional construction financing
REQUIREMENT
Fixed-cost pricing and performance bonding from the manufacturer
◆ HOW PBC HELPS

Our fixed factory pricing and CSA A277 certification satisfy CMHC’s core underwriting requirements for the program. Developers accessing ACLP financing can structure their project correctly from day one rather than retrofitting for compliance mid-application.

CMHC Affordable
Housing Innovation Fund

The Affordable Housing Innovation Fund supports scalable, replicable housing solutions — with explicit priority given to projects using modular and prefabricated construction. Funding supports development costs, feasibility studies, and innovative delivery models.

PRIORITY
Modular and prefab construction approaches that can scale and replicate
ALSO ELIGIBLE
Knowledge transfer plans and innovative financial models
FORMAT
Direct grants for qualifying feasibility and development costs
◆ HOW PBC HELPS

Our replicable floor plans and documented delivery system align with the fund’s stated priorities. We help applicants frame their project narrative around scalability, replicability, and knowledge transfer — the three tests Innovation Fund grants are measured against.

Housing Accelerator Fund

The HAF provides funding to municipalities to fast-track housing permits and remove barriers to housing supply. Several municipal action plans under the HAF explicitly reference enabling prefab and modular housing pathways. Municipalities with HAF commitments — including Toronto, Mississauga, and Kitchener — are now pre-reviewing Housing Design Catalogue designs, streamlining approvals for compatible prefab projects.

BENEFIT
Pre-reviewed designs in participating municipalities = faster permit approvals
MUNICIPALITIES
Toronto, Mississauga, Kitchener, Ottawa, Ajax, and 10+ others
ALIGNMENT
PBC designs compatible with Housing Design Catalogue ADU, fourplex, sixplex typologies
◆ HOW PBC HELPS

If you’re building in a HAF-participating municipality, we match your project to the catalogue typology that unlocks pre-review status. That compresses your permit timeline from months to weeks.

CMHC On-Reserve Programs
& ISC Capital Funding

For First Nations projects, the primary federal funding pathways are CMHC’s on-reserve programs and Indigenous Services Canada’s Capital Facilities and Maintenance program. Both programs require fixed-cost, credible delivery partners with demonstrated capacity.

CMHC ON-RES
Supports new construction and renovation on reserve
ISC-CFM
Federal capital contributions for on-reserve infrastructure including housing
MARKET FUND
First Nations Market Housing Fund — market-based financing for eligible First Nations
◆ HOW PBC HELPS

We structure on-reserve delivery timelines, costs, and documentation to meet CMHC and ISC program requirements. Our factory model eliminates dependence on local trades and weather — two of the biggest delivery risks for remote and on-reserve projects.

Federal Housing
Design Catalogue

Not a funding program itself, but a key enabler. The federal Housing Design Catalogue provides pre-approved, standardized designs for ADUs, fourplexes, and sixplexes. Municipalities including Toronto, Mississauga, Kitchener, Ottawa, and Ajax are pre-reviewing these designs to streamline permits. Using catalogue-aligned designs can significantly reduce your time from permit application to construction start.

TYPOLOGIES
ADU, fourplex, sixplex designs at Part 9 scale
PRE-REVIEWED IN
Mississauga, Toronto, Kitchener, Ottawa — 10+ municipalities
IMPACT
Permit timeline compression from months to weeks in participating municipalities
◆ HOW PBC HELPS

PBC designs are aligned with catalogue ADU, fourplex, and sixplex typologies. If your project can fit a catalogue typology, we’ll tell you — and if it can’t, we’ll tell you that too and build a custom delivery plan that still hits the same cost and timeline targets.

NEXT STEP

Not sure which program applies to your project?

We work with developers, housing operators, municipalities, and First Nations organizations to identify the right funding pathway for each project type. Getting the funding structure right before the project starts is how you avoid expensive surprises mid-construction.

Email the Funding Team View Partner Capabilities
FUNDING PATHWAY INQUIRY
Emailinfo@prefabbuilds.ca
Phone+1-855-3-PREFAB
Office1300 Britannia Rd E, Suite 201
Mississauga, ON L4W 1C8
HoursMON–FRI 07:00–17:00 ET
ResponseWithin 2 business days