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Proposal Development Funding (PDF)


It is an interest-free loan to help private non-profit/co-operative housing organizations prepare their detailed proposal to develop affordable housing for low-income households. The loan is intended to help reduce the costs of bringing a proposal to the financing stage. Both new construction and redevelopment projects are eligible for Proposal Development Funding (PDF) financing.

When a project receives a capital funding commitment, the PDF loan shall form part of the capital cost of the project and the advanced portion of the PDF loan will be repaid in full to Manitoba Housing from the first funding advance.

If a proposal does not proceed to commitment, the project may be considered abandoned and the expended portion of the loan may be forgiven.


PDF loans up to $75,000 are available to develop each proposal, depending on the size and complexity of the housing project.

Eligible loan expenses may include, but are not limited to, the following:

  • project drawings and specifications
  • land surveys, soil and environmental testing
  • business planning
  • cost estimating
  • marketing
  • detailed feasibility and market analyses

Some activities are not eligible for PDF loans, and they include:

  • land purchase
  • operating expenses
  • expenses related to construction activities
  • activities undertaken before the PDF loan was approved


PDF loans are available to groups who are incorporated as a private non-profit organization.  Non-profit co-operative housing associations incorporated under the Co-operatives Act of Manitoba are also eligible for PDF support.

Consultants, developers, municipal governments and other public agencies are not eligible for PDF loans.

Housing developments must target the creation of affordable housing for low to moderate-income households, persons with disabilities and/or seniors.


PDF loans are offered to eligible applicants that are selected to prepare detailed project proposals through a Request for Expressions of Interest intake process. View all of Manitoba Housing’s current Requests for Expressions of Interest.

Area served Manitoba
Hours 8:30AM - 4:30PM, Monday through Friday
Languages English, French
Access Wheelchair accessible
Toll-free 1-866-689-5566
Telephone 204-945-5566 (in Winnipeg)
TTY 204-945-4796 or 1-800-855-0511 (Manitoba Relay Service)
Fax 204-948-3035
Address Manitoba Housing — Housing Programs
200 - 352 Donald Street
Winnipeg MB R3B 2H8
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