Services for You Human Services Shelter and Housing Home Ownership Program

Home Ownership Program

Now accepting applications (January 9, 2020).

The dream of owning your own home is not out of reach, thanks to the Home Ownership Program.

The program provides financial assistance to qualified low-to-moderate income households. Funding is limited and is available on a first come, first served basis, in the form of a 20-year interest-free loan registered on title and up to 5% of the purchase price of the home.

This program is made possible through the Investment in Affordable Housing (IAH) Program, which is funded by the federal and provincial governments.

If you are interested in applying please complete the application form and submit to our office. Be sure to review the “self-check” list below before submitting your application.

CMHC Debt Service Calculator

Learn how much you can afford to pay for a mortgage using the Debt Service Calculator.  This calculator will help you compare the level of your monthly debt and housing expense payments to your gross monthly household income.  Your Mortgage Professional will perform this assessment when qualifying you for a mortgage.

CMHC Affordability Calculator

Want to learn how much you can afford to spend on a house or your monthly rent? Click here to use CMHC’s affordability calculator.

COVID-19: Oxford County follows guidance from Southwestern Public Health and the Government of Ontario. See updates on our programs and services at

Down payment loan eligibility "self-check" list

This list is a quick overview of the eligibility criteria for the down payment loan program. Before starting an application, please take a minute to ensure you meet the following criteria:

  • You are 18 years old or older
  • Your total household income before deductions is less than $63,630 a year
  • You are currently renting (rental receipt must be provided)
  • You do not owe arrears, housing charges or damages to any other social housing program
  • Your total household assets are below $20,000
  • No household member owns a property or has interest in a property
  • You are able to pay all closing costs and home inspection fee (if resale home)
  • You qualify for a mortgage

If you meet all of these qualifications, please complete the application form and submit it, with copies of the required documents, to our office.

   Home Ownership Self Check List
  Fact Sheet Oxford County Home Ownership
  Home Ownership Application Form
  Appendix A to Application Form

by mailApplications can be mailed to:
Rebecca Smith
Manager of Housing Development
Oxford County - Human Services
21 Reeve Street, P.O. Box 1614
Woodstock, Ontario N4S 7Y3