Website Feedback

Form Builder

 
City of Kawartha Lakes
Human Services
68 Lindsay Street North
PO Box 2600
Lindsay, ON   K9V 4S7
705-324-9870 or 1-877-324-9870
cklhumanservices@kawarthalakes.ca

Application for Homeownership Program

Program Summary:

The Homeownership Program is a down payment assistance program, which is  funded through the Ontario Priorities Housing Initiative (OPHI).  The program offers 10% down payment assistance to eligible applicants in the City of Kawartha Lakes or the County of Haliburton.  The prospective purchaser must meet the following:

  • Be a first-time home buyer
  • Be a renter in the City of Kawartha Lakes or the County of Haliburton
  • Have combined annual household income at or below $83,500
  • Purchase a home in the City of Kawarthalakes or the County of Haliburton for $ 435,126 or less

The down payment assistance is considered a forgivable loan that is registered on title for 20 years.  Below are some of the conditions around the loan:

  • If the homeownership unit is owned by the eligible purchaser for the maximum 20 years, the down payment assistance amount will be waived.
  • If the homeownership unit is sold after 20 years, there will be no repayment of the down payment assistance or capital gains.
  • If a homeownership unit is sold before the 20 year period expires, the homeowner is required to repay the original OPHI contribution plus ten percent of the realized capital gains.

Application Submission Options:
During the application period for 2020, our offices will remain closed to the public due to the pandemic. Applications and supporting documents can be submited by one of the following methods:

  • Complete the application online
  • Mail the application with copies of the required documents to:
    • City of Kawartha Lakes - Human Services
      Post Office Box 2600
      68 Lindsay Street North
      Lindsay, Ontario K9V 4S7
  • Leave the application with copies of the required documents in the drop box at either of these two locations:
    • City of Kawartha Lakes - Human Services
      68 Lindsay Street North
      Lindsay, Ontario K9V 4S7
    • City of Kawartha Lakes - Human Services
      Unit 8 - 49 Maple Avenue
      Haliburton, Ontario K0M 1S0

If you need assistance with submitting your application, please call the office.

Once your application is submitted, it will be verified to ensure that your household is eligible for down payment assistance through the Homeownership Program. If you are eligible your application will be placed on the waiting list for Homeownership funding or if funding is available you will be contacted to work towards funding approval. You do not need to have an offer on a house prior to applying.



Contact Us