If you’re a veteran living with a serious service-connected disability, the VA’s Specially Adapted Housing (SAH) grant can help you build, buy, or remodel a home so it actually works for you.
This is the largest of the VA’s disability housing grants, and a lot of eligible veterans never apply simply because they don’t know it exists.
How Much Does the SAH Grant Pay?
For fiscal year 2026, the SAH grant can pay up to $126,526 toward building, buying, or remodeling a home to work around a serious service-connected disability.
The amount may be adjusted annually. You can always find the most up-to-date amounts on the VA website.
Who Qualifies for SAH?
To qualify, you generally need to own or be about to own the home AND have one of these service-connected disabilities:
- Loss, or loss of use, of more than one limb; OR
- Blindness in both eyes; OR
- Certain severe burns
What Can the Money Pay For?
The SAH grant is meant to help pay for changes that make a home usable and safe for you, not cosmetic upgrades. That includes things like widening doorways, adding ramps, and modifying bathrooms so you can use them independently.
The VA says you may be able to use the grant more than once over your lifetime, as long as you stay under the total lifetime limit.
How Do You Apply?
You have three ways to apply, and none of them require you to pay anyone to help you:
- Online, directly through the VA’s housing grants portal.
- By mail, using VA Form 26-4555.
- In person, at a VA regional office.
You’ll need some basic information ready, like your Social Security number and VA file or claim number if you have one.
This isn’t a seasonal program with a closing date. It’s available year-round, so there’s no need to rush; just make sure your application is complete and accurate.
Don’t Own a Home Yet? There’s a Related Grant for That
If you qualify for SAH but you’re currently living temporarily in a family member’s home, a separate grant called the Temporary Residence Adaptation (TRA) grant can help you modify that home instead. We cover that program in a separate guide, since the rules and dollar amounts are different.
Relief Recap
Disabled veterans are one of the groups most likely to qualify for serious home repair help and least likely to hear about it, since this grant lives inside the VA system instead of a typical housing agency.
If home repairs are on your mind and this program doesn’t fit your situation, our guide to free home repair grants rounds up other options you may qualify for.
