Specially Adapted Housing (SAH) and Special Home Adaptation (SHA) grants

U.S. Department of Veterans Affairs

GRANT

What this actually is

These are GRANTS, not loans — you do not repay them. They pay to buy, build or modify a permanent home so a veteran with a severe service-connected disability can live in it. For fiscal year 2026 the SAH maximum is $126,526 and the SHA maximum is $25,350. You do not have to spend it all at once: the money can be used across multiple adaptations over a lifetime, up to the total. A common misunderstanding is that you must already own a suitable home — the grant can go toward buying or building one.

Who qualifies, and what trips people up

You must own or will own the home (for SHA a family member may own it) and have a qualifying service-connected disability — limb loss, blindness in both eyes, severe burns, certain respiratory injuries, among others. One narrow category is rationed: only 120 veterans and service members each fiscal year can qualify based on the loss of one lower extremity after September 11, 2001. Apply early in the fiscal year if that is your basis.

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Not financial or legal advice. Program terms change — verify eligibility, amounts, and deadlines with the administering agency before acting.