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Financial assistance

A ramp often costs less than you think.

Tax credits, grants and compensation programs: several forms of help can cover part — sometimes all — of your project. We help you see clearly and build your file.

11programs listed
2 800 $federal credit (HATC) — residential
90 %businesses — Montréal (max $40,000)
Simulator

Estimate your aid in seconds

Pick your profile and your ramp’s estimated cost — we show an indicative estimate of the aid and what’s left to pay.

Estimated ramp cost 4 000 $
Estimated cost to you 3 440 $
Estimated aid 560 $

Estimated federal HATC credit (14%, max $2,800). Other programs — PAD, medical expenses, compensation — can reduce the cost further depending on your profile.

Indicative estimate only, subject to eligibility and tax year. See the programs and their official sources below.

  1. Suspended (Apr. 2025) 50 000 $
    PAD

    Home Adaptation Program

    Société d’habitation du Québec

    Paid to the owner of the home where a person with a disability lives: up to $50,000 (option 1, with support) or $24,000 (option 2 — including $12,000 for exterior access). Installing a ramp is eligible. New registrations suspended since April 2025, reopening announced. In Montréal, criteria differ (514 588-7098).

    • Ramp eligible — $12,000 for exterior access
    • Canadian citizen or permanent resident
    • Persistent, permanent disability
    Full eligibility conditions (FAQ)
    Residential Official source → (new window)
  2. Active (2026) 2 800 $
    CIAD

    Home Accessibility Tax Credit

    Federal — line 31285

    14% on up to $20,000 of eligible expenses (2026), for a senior 65+ or a person eligible for the DTC. Access ramps are eligible.

    • $20,000 cap per year
    • Age 65+ or DTC-eligible
    • Combinable with other credits
    Residential Official source → (new window)
  3. Permanent T2201
    CIPH

    Disability Tax Credit

    Federal — form T2201

    For a severe and prolonged impairment. The form is signed by a doctor. It unlocks the HATC and is transferable to a caregiver.

    • Unlocks the HATC
    • Transferable to a caregiver
    Residential Official source → (new window)
  4. Permanent Medical
    Medical expenses

    Medical Expense Credit (fed. + QC)

    Federal line 33099 + Québec

    A doctor-prescribed ramp can be claimed as an eligible medical expense, federally and provincially.

    • Doctor’s prescription required
    • Choose any 12-month period
    Residential Official source → (new window)
  5. On assessment Varies
    AVQ-AVD

    Daily Living Aids

    RAMQ / CLSC

    On assessment by a CLSC occupational therapist, provides home technical aids — including removable/portable ramps. A permanent exterior ramp is not covered by this program.

    • Occupational-therapist assessment (CLSC)
    • Removable / portable ramps
    • Often no cost to the recipient
    Residential Official source → (new window)
  6. Case-based Actual cost
    SAAQ · CNESST · IVAC

    Road, work or crime-related

    Compensation boards

    If your reduced mobility results from a road accident, a work injury or a crime, home adaptation (ramp included) may be covered — no fixed cap, with prior authorization.

    • Compensated persons only
    • Prior authorization required
    • We provide the documentation
    Residential Official source → (new window)
  7. Active (2026) 7 884 $
    PAAC

    Veterans Independence Program

    Veterans Affairs Canada

    Up to $7,883.78 per year per residence (2026) for home adaptation, including a wheelchair access ramp, for eligible veterans.

    • Eligible veterans
    • Wheelchair ramp eligible
    Residential Official source → (new window)
  8. Active — until Dec. 31, 2026 40 000 $
    Businesses — Montréal

    Universal Accessibility Grant for Businesses

    City of Montréal

    90% of eligible costs (max $40,000) to make a business accessible — ramps and platforms included. Apply before December 31, 2026. Replaces the former PEA program, ended March 31, 2026.

    • Businesses (tenant or owner)
    • Up to 90% of costs
    • Deadline: December 31, 2026
    Commercial & non-profit Official source → (new window)
  9. Active (2024-2027) 100 000 $
    PAET

    Tourism Establishments Accessibility Program

    Tourisme Québec — Kéroul

    Up to 65% of eligible expenses (Stream 1 up to $100,000, Stream 2 up to $50,000) to make a tourism establishment accessible. Ramps eligible.

    • Tourism establishments
    • Up to 65% of costs
    Commercial & non-profit Official source → (new window)
  10. Permanent DPA
    Depreciation

    Capital Cost Allowance

    Income Tax Act

    Accessibility expenses for a commercial building can be deducted as capital expenses. Consult your accountant.

    • Building owners
    • Accounting advice
    Commercial & non-profit Official source → (new window)
  11. Periodic calls Project calls
    Accessibility Fund

    Enabling Accessibility Fund

    Employment and Social Development Canada

    Funds accessibility projects in community spaces and workplaces. Periodic project calls — the 2026 call is closed, watch for the next one.

    • Community spaces, non-profits
    • Workplaces
    Commercial & non-profit Official source → (new window)

This information is provided for guidance only (updated June 24, 2026). Admission to these programs is managed exclusively by the Government and amounts vary with your situation and tax year. Note: the SHQ’s PAD no longer accepts new registrations since April 2025 (reopening announced), and the former PEA program for small businesses ended March 31, 2026. Don’t hesitate to contact us: we help you find the right program and build your file.

Not eligible?

We still have a solution for your budget.

Affordable rent-to-own, or our treated-wood ramps: financial accessibility is part of our mission.

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