The VA loan benefit is a powerful tool for veterans looking to buy or refinance a home, offering perks like no down payment and no private mortgage insurance.
However, the rules differ slightly depending on whether it’s your first time using a VA loan or you’re returning for a subsequent purchase. Understanding entitlement, funding fees, and possible restoration options is crucial.
This article explores the core differences between first vs. subsequent VA loan use, including partial entitlement considerations and potential cost savings. If you’re a veteran planning another move in 2025, read on for clarity, tips, and key steps to succeed.
Veterans often face unique challenges when purchasing a home, including service-related disabilities or navigating the complexities of VA loans. Veteran homebuyer grants provide financial relief that does not require repayment, helping cover essential expenses like down payments, home modifications, or closing costs. These grants honor your service by reducing the financial barriers to homeownership and supporting a safe, accessible living environment.
In this Article
Understanding the $6,000 HISA Grant for Veterans
The Home Improvements and Structural Alterations (HISA) grant offers up to $6,800 for veterans with service-connected disabilities to fund medically necessary home modifications. Common examples include installing ramps, widening doorways, or upgrading bathrooms for better accessibility. If you have non-service-connected disabilities but still hold a 50% or higher service-connected rating, you may qualify for up to $2,000. You can use HISA funds multiple times, up to the lifetime cap.
Eligibility for the HISA Grant
- A service-connected disability requiring home modifications (for up to $6,800)
- Non-service-connected disability with a 50% service-connected rating (for up to $2,000)
- Ownership (or intent to occupy) of the home being modified
- Medical documentation supporting the necessity of adaptations
How to Apply for the HISA Grant
- Gather Documentation: Collect your VA claim number, Social Security number, and medical records.
- Create an eBenefits Account: Register at eBenefits to start your application.
- Submit Your Application: Provide details about the proposed modifications and include contractor estimates.
- Track Your Claim: Monitor application status via reBenefits and respond quickly to any VA requests.
Processing times vary, so apply as early as possible to secure funding.
Other Grants for Veterans Buying a Home
Specially Adapted Housing (SAH) Grant
The SAH grant offers a substantial amount (over $100,000, subject to annual adjustments) for veterans with severe service-connected disabilities. Funds may be used to construct a new home or make major modifications for barrier-free living. You can use the SAH grant up to six times within the designated cap.
Special Housing Adaptation (SHA) Grant
The SHA grant is designed for veterans with certain service-connected disabilities that require smaller-scale modifications, such as altering a family member’s home. You can typically receive up to tens of thousands of dollars, usable up to six times within a lifetime cap.
Temporary Residence Adaptation (TRA) Grant
If you live temporarily in a family member’s home, the TRA grant helps fund necessary adaptations. Amounts differ depending on SAH or SHA eligibility. It’s a flexible solution for those in transitional living situations.
State-Specific Veteran Homebuyer Grants
Many states offer their own grants for veterans buying a home. Some notable examples include:
- Iowa’s Military Homeownership Assistance Program: Provides $5,000 for down payments or closing costs. Learn more
- North Carolina’s NC 1st Home Advantage: Offers up to $15,000 in down payment assistance. Learn more
- Texas Homes for Heroes Program: Includes various down payment grants and low-interest loans. Learn more
Check with your state’s housing finance agency for additional veteran housing assistance programs and eligibility details.
Comparing Key Veteran Housing Grants
| Grant | Max Amount | Purpose | Eligibility | Lifetime Use |
|---|---|---|---|---|
| HISA | Up to $6,800 (service-connected) | Home modifications | Service-connected disability | Multiple (up to cap) |
| SAH | Varies (over $100k) | New construction/major modifications | Severe disabilities (e.g., mobility issues) | Up to 6 times |
| SHA | Varies (tens of thousands) | Smaller modifications | Less severe disabilities | Up to 6 times |
| TRA | Varies (based on SAH/SHA eligibility) | Temporary home adaptations | SAH/SHA eligibility; living with family | Up to 6 times |
Using VA Loans with Grants
A VA loan offers zero down payment options, competitive interest rates, and no private mortgage insurance, making it a powerful financing tool. You can combine a VA loan with $6,000 grants for veteran homebuyers or down payment assistance programs to minimize your out-of-pocket costs. Credit requirements are often more flexible compared to conventional loans, and many lenders specialize in VA financing to help guide you through the process.
Actionable Tips for Financial Assistance
- Get Preapproved: A VA loan preapproval can boost your grant applications.
- Work with VA-Savvy Lenders: Choose lenders experienced with veteran programs.
- Complete Homebuyer Education: Some state grants require a homebuyer course.
- Document Thoroughly: Medical records, contractor bids, and financial statements speed approvals.
- Apply Early: Funds for popular programs can run out quickly.
Common Challenges & Solutions
- Limited Funding: Some grants have annual caps. Submitting applications early is crucial.
- Complex Applications: The eBenefits system can be confusing. A Veterans Benefits Advisor (1-888-838-7697) can guide you.
- Eligibility Confusion: Unsure if you qualify? Use the VA’s online quiz or consult a VA-approved lender.
Frequently Asked Questions
What is the $6,000 HISA grant for veterans?
The HISA grant offers up to $6,800 for service-connected disabilities (or $2,000 for non-service-connected, 50% rated) to cover medically necessary home modifications like ramps or accessible bathrooms.
Who qualifies for HISA?
Veterans with a service-connected disability requiring home adaptations qualify for up to $6,800. Those with a 50% or higher service-connected rating but needing adaptations for a non-service-connected condition qualify for $2,000.
Can I use a VA loan with these grants?
Yes. VA loans can fund the home purchase, while grants like HISA cover modifications, minimizing out-of-pocket costs.
Are there other grants besides HISA?
Yes. SAH, SHA, and TRA grants also offer funds for veterans with varying degrees of service-connected disabilities. States additionally provide down payment assistance and closing cost grants.
Where do I find state-specific programs?
Check with your state’s housing finance agency or official websites for details on veteran-specific down payment assistance and grants.
For official updates and detailed eligibility requirements, visit VA.gov or call 1-888-838-7697.
Levi Rodgers is a nationally recognized real estate expert and U.S. Army Green Beret (Ret.) who writes about homeownership, VA loans, and Veteran-focused real estate strategies. After his military service, Levi built one of the top-performing real estate teams in the country, helping thousands of military families navigate the path to homeownership. His writing draws from firsthand experience, leadership, and a deep commitment to serving those who serve. Levi simplifies complex housing topics and offers real-world guidance on credit, financing, and smart real estate moves — especially for Veterans and first-time buyers.
