Oil to Heat Pump Affordability Program 2026
Up to CA$15,000 in federal funding for Atlantic Canada oil-heating households (CA$10,000 base + CA$5,000 Atlantic bonus). Stackable with provincial low-income programs to reach CA$26,000-32,000 in maximum cases.
Quick TL;DR
Federal contribution: ~CA$10,000 base, +CA$5,000 Atlantic bonus for NB / NS / PE / NL residents. Income-tested, co-delivered with provincial agencies. Stacks with provincial low-income heat pump programs and Greener Homes Loan. Approximately CA$26,000- CA$32,000 stackable maximum for qualifying Atlantic households.
Who this applies to
Canadian homeowners currently heating with oil who meet income criteria. Most-relevant provinces: New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador (Atlantic bonus applies); also Ontario rural and remote regions where oil heating remains common.
Why this is the highest-value pathway
Oil heating is increasingly costly and emissions-intensive. The federal program is intentionally designed to make heat pump conversion affordable for households that would otherwise face disproportionate transition costs. The combination of federal base contribution, Atlantic bonus, provincial low-income programs, and Greener Homes Loan typically results in net installation cost approaching zero for qualifying low-income Atlantic households.
Application process
The Oil-to-HP program is integrated into the standard Greener Homes Initiative application process: pre-retrofit EnerGuide evaluation, NRCan-registered installer, retrofit, post-retrofit evaluation, reimbursement submission. See our full Greener Homes Grant 2026 guide for the step-by-step process.
FAQ
Who qualifies for the Oil to Heat Pump Affordability Program?↓
Canadian homeowners currently heating their primary residence with oil. The program is income-tested — actual eligibility thresholds vary by province as the program is co-delivered with provincial agencies. Atlantic provinces (NB, NS, PE, NL) qualify for an additional CA$5,000 bonus on top of the federal base amount.
How much can I receive?↓
Federal base contribution is approximately CA$10,000. Atlantic Canada residents qualify for an additional CA$5,000 bonus. Combined with provincial low-income heat pump programs (NB Total Home Energy Savings up to CA$20,000, Efficiency Nova Scotia up to CA$21,000, NL Home Energy Savings up to CA$12,000), the total stack can reach CA$26,000-32,000 in maximum cases.
Is this a grant or a loan?↓
Grant — non-repayable funding. The program is reimbursement-based: you complete the retrofit and submit documentation to receive the grant. The Greener Homes Loan (CA$40,000 interest-free) can finance the upfront cost.
How do I apply?↓
Applications are processed through provincial co-delivery agents. Process: pre-retrofit EnerGuide evaluation, NRCan-registered installer, complete installation, post-retrofit EnerGuide, submit reimbursement application via the federal-provincial portal. See the cornerstone Greener Homes Grant guide for the full step-by-step process.
Does it stack with provincial rebates?↓
Yes — the program is designed to stack with provincial rebates. NB Total Home Energy Savings, Efficiency Nova Scotia, NL Home Energy Savings, PEI Free Heat Pump Program, and others all stack on top of federal funding. The Atlantic bonus stacks too.
Sources
Last updated 2026-05-03. Independent consumer information, not affiliated with NRCan or any provincial agency. Verify current rules with the program administrator before applying.