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NL Provincial Home Repair Program (PHRP)

Newfoundland and Labrador Housing · Provincial

In plain language

Forgivable loan / grant program for low-income homeowners who need structural, electrical, plumbing, window/door, or safety repairs to bring a home to minimum standards. 2025 eligibility threshold raised to $42,500 adjusted family income. Emergency repairs handled on first-come basis. Administered by NL Housing. Typical award is $5K–$10K; it is deliberately not a renovation grant — it's a habitability-of-last-resort program. The catches: income-tested (not middle-class), title and mortgage-current checks, and the work has to meet NLHC inspection standards. For accessibility modifications see PHRP's sibling Home Modification Program separately.

Realistic range

$2,000 – $10,000

Avg award

$7,500

Max advertised

$10,000

Cost share

—

Accessibility

4 / 5

Effort

2 / 5

Deadline

Continuous intake

Repayable?

Who qualifies

Entity types

Individual

Sectors

Any sector

Regions

NL Wide

Demographics prioritized

None specifically

What you'll have to report

Contractor invoices, permit documentation, post-repair inspection, income verification, title/ownership proof.