Home Modification Grants and Loans for Persons with Disabilities
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Federal home modification grants
Disability housing grants for veterans
- The Specially Adapted Housing (SAH) grant offers up to $121,812 for the fiscal year 2025 (which ends Sept. 30) to help modify a home you will buy, build or change.
- The Special Home Adaptation (SHA) grant offers up to $24,405 for FY 2025 to help modify a home that you or a family member will buy, build or change.
- The Temporary Residence Adaptation (TRA) grant helps modify a family member’s home where you’re temporarily living. You must otherwise qualify for an SAH or SHA grant. TRA grants are up to $49,062 in FY 2025 for SAH-qualified individuals and up to $8,760 for SHA-qualified individuals.
- The Home Improvements and Structural Alterations (HISA) grant provides funds for medically necessary home improvements, including accessibility updates to home entrances and bathrooms. Those with service-related disabilities can get up to $6,800, and those with non-service-related disabilities can get up to $2,000.
Rural housing repair loans and grants
State and local home modification grants and loans
- The U.S. Department of Housing and Urban Development’s state information list includes housing and homeownership resources for each state. Many states include resources and grants for home repairs. Information on the state pages varies, but resources are usually listed under a link that references learning about homeownership.
- The Independent Living Research Utilization program has a directory of organizations that support people with disabilities who want to live independently. Some organizations provide funding for assistive technology, including chairlifts and bathroom modifications, while others provide referrals.
- The National Directory of Home Modification and Repair Resources has a list and a map of home improvement resources for older adults and people living with disabilities.
- The Benevolent and Protective Order of Elks offers disability assistance in several states. Ask a local office if it has programs that address your specific needs.
- Lions Clubs International provides donated glasses and hearing aids to those who need them. Ask a club near you about availability.
Home modification loans and grants from nonprofits
- Rebuilding Together is a national organization whose volunteers make homes safer and more livable for low-income families, older adults and people living with disabilities. Qualifications and the type of modifications available vary by location.
- Modest Needs is an organization that provides Self-Sufficiency Grants to those who live just above the poverty level in the U.S. and Canada. The grants cover a range of expenses, including accessible-home modifications.
- Your grant amount depends on your financial situation, but the group says average grants are $750 to $1,250. To qualify, one household member must be employed, and the main source of household income must be from employment, child support, veterans benefits or retirement.
- The National Disability Institute, a group that researches and advocates for people living with disabilities, has a list of organizations across the country that help finance assistive technology.
How to apply for a home modification grant
Other ways to finance accessible home modifications
The U.S. Department of Housing and Urban Development loans
- The FHA Title I loan is a fixed-rate loan used for projects that improve the “basic livability or utility” of the property — a broad standard that includes accessibility upgrades, according to HUD.
- The FHA 203(k) rehabilitation loan can help you buy a home that needs remodeling or refinance an existing home loan to get extra money for updates. Rates are usually lower than credit cards and personal loans, and loan amounts vary depending on the type of 203(k) loan you get (standard or limited). Credit standards may be lower than a traditional home equity loan or line of credit.
Home equity financing
Home improvement loans
Personal loans from our partners
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Home modification costs
- Elevator: $2,500 to $60,000.
- Indoor stair lift: $1,500 to $5,000.
- Lower cabinets and sinks: $1,500 to $8,500.
- Wheelchair ramp: $1,000 to $4,000.
- Wider doorways: $700 to $2,500 per doorway.
- Grab bars: $100 to $500 each.
Article sources
- 1. Federal Reserve Bank of St. Louis. Finance Rate on Personal Loans at Commercial Banks, 24 Month Loan. Accessed May 23, 2025.
- 2. National Credit Union Administration. Credit Union and Bank Rates 2024 Q4. Accessed May 23, 2025.
- 3. Angi.com. How Much Does It Cost to Make My Home Accessible?. Accessed Nov 12, 2024.
- 4. Internal Revenue Service. Retirement Topics - Plan Loans. Accessed Apr 8, 2025.
- 5. Internal Revenue Service. Retirement topics: Exceptions to tax on early distributions. Accessed Apr 8, 2025.
- 6. Administrative Office of the U.S. Courts. Bankruptcy Basics. Accessed Apr 8, 2025.
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