About the Program

The Home Ownership Program (HOP) assists low-to-moderate income households to buy affordable homes by providing down-payment assistance in the form of a forgivable loan.

Households that are currently renting 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 HOP for down payment assistance equal to 5% of the purchase price to a maximum of $15,000.

If you have a combined, pre-tax household income of less than $84,800 and would like to purchase a home priced at $300,000 or less in the City of Kingston or the County of Frontenac, you may be eligible for this program.

Approximately ten down payment allocations will be provided in 2018 to enable eligible households to purchase a home. The actual number of allocations will depend on the purchase price and down payment amounts provided to participating households.

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 as 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. Incomplete applications will not be accepted until all required supporting documentation is provided.

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 via one of the following methods:

  • Email:
  • Mail: City of Kingston, Housing and Social Services 362 Montreal St., Kingston, Ontario, K7K 3H5 Attention: Homeownership Program
  • Hand Deliver: Main Reception on 2nd floor at 362 Montreal Street, Kingston, ON