Buying a home

Home Purchase Program

What is the Home Purchase Program?

The Home Purchase Program provides an opportunity for clients to become homeowners by providing assistance to purchase a modest home.  The client is responsible to obtain their portion of project financing through an approved financial institution.

Who is eligible for the Home Purchase Program?

Applicants must be first time home buyers and reside in Zone A communities (Fort Smith, Hay River, Fort Simpson, Norman Wells, Inuvik and Yellowknife)


What Financial Aid is available?


Clients receive down payment assistance in the form of a forgivable loan subsidizing the cost of purchasing a home. For eligible applicants, assistance is 5% of the purchase price or Maximum Construction Costs (MCC), whichever is less. The assistance is based on the applicant’s income, family size, the community Core Need Income Thresholds (CNIT) as well as the Maximum Construction Cost (MCC) for the Zone the applicant(s) resides in.

What properties are eligible?

Eligible properties must be on titled land or long-term residential lease (30 years)

How do I apply?

Please contact your Local Housing Organization, or District Office for your region, to find out more details, and for help to fill out an application if you need it. For further questions, please contact 1-844-NWT-HOME (1-844-698-4663) or


For more detailed information please review the Home Purchase Program Policy Document.