Missed the 2025 ADU Grants in Niagara? Here’s What You Can Do for 2026

Grant and loan programs across Niagara can help homeowners add secondary units affordably.

If you're a homeowner in Niagara who missed out on ADU (accessory dwelling unit) funding in 2025, you're not alone.

Generous grants and forgivable loans were available across St. Catharines and Niagara Region—but by mid-year, every major program had either closed or paused due to limited funding.

The good news? Many of these programs may reopen in 2026. If you start preparing now — with drawings, zoning checks, and project plans — you’ll be in the best position to apply when funding returns.

St. Catharines – ADU Grant Program (Closed June 18, 2025)

• Up to $40,000 for interior ADUs (e.g., basement suites)

• Up to $80,000 for detached garden suites

• Covered 70% of eligible construction costs

• Required completed permit drawings and approvals prior to application

• Reimbursed after construction passed inspections

  
  

Status:❌ Closed June 18, 2025.

✅ May reopen in 2026, depending on Housing Accelerator Fund renewal.

Niagara Region – Niagara Renovates (Secondary Suite Loans)

• Offered up to $25,000 as a forgivable loan

• Required tenant household income under $27,000

• Permits had to be in place before approval

• Construction was required to begin within 45 days of signing

  
  

Status:❌ Paused for 2025.

✅ Expected to reopen in 2026 pending budget approval.

Niagara Falls – No Grant Program, But Helpful Guidance

• No direct funding

• Clear zoning allowances for up to two ADUs per lot

• Published ADU Information & Application Guide

• Provides pre-approval insights and permit checklists

  
  

Status:✔️ Still available for planning guidance.

❌ No current financial incentives.

🛠️ What You Should Do Now to Prepare for 2026

While funding is paused, your project doesn’t have to be. In fact, most programs required drawings, permits, or quotes to be in place before applying.

Here’s how to get ahead of the curve:

• ✅ Get permit-ready drawings (required for both St. Catharines and Niagara Region grants)

• ✅ Check zoning and lot coverage

• ✅ Get a scope of work and estimate from a contractor

• ✅ Be ready to apply early — programs fill up fast

🏡 Why Work With The Building Permit Guy?

At The Building Permit Guy, we provide:

• BCIN-certified permit drawings tailored for ADUs

• Fast, code-compliant design packages for interior and detached units

• Guidance based on real-world municipal experience — including John’s background as a former building inspector in St. Catharines

We know what plans reviewers are looking for — and how to avoid unnecessary delays when you apply.

Start your ADU drawings now so you're ready the moment funding opens in 2026.