Eligible households must have received a letter with an access code from the Government of Canada * Households who receive the maximum Canada Child Benefits * Older adults who receive the maximum Guaranteed Incomed Supplement

Applicants must meet all of the following:
-At least one applicant is a Canadian citizen
-First time home buyer
-Total household income is $95,000 or less
-Purchase price of home is no more than $350,000
-Property is on PEI
-Does not have financial ability to pay five percent of the purchase price without assistance from this program
-Have a satisfactory credit rating
-Purchased property must be the applicant's principal residence, and be owner occupied as a single family dwelling

Resident of PEI * Registered owner(s) of the property being upgraded * Live in the property to be upgraded as their year-round primary residence * Be pre-approved under one of the following efficiencyPEI programs:
-Energy Efficient Equipment Rebate
-Home Insulation Rebate
-Energy Efficiency Loan Program for Solar Photovoltaic Equipment

Individuals with a family income below $55,000 and a home assessed for taxes at less than $300,000 * It must be your principle residence * Water in the house must be heated by fossil fuels

Homeowners with a family income below $75,000 and a home assessed for taxes at less than $300,000 * It must be the homeowner's principle residence

Individuals with a family income below $55,000 and a home assessed for taxes at less than $300,000 * It must be your principle residence

Rebates only available if replacing old appliances * Not applicable to individuals building a new house

Residents of Charlottetown * Additional requirements vary by program

Households earning a maximum gross income of:
-$45,000 for one person households
-$60,000 for a family of two or more

Social Assistance recipients are not eligible

Low-income working families * Able to demonstrate a need for affordable housing * Able to repay an interest-free mortgage * Willingness to partner with Habitat PEI