VA Loan Network logo
  • Home
  • Apply Now
  • VA Loans
    • Programs
    • Today’s Rate
    • VA Guide
    • Refinance
    • Requirements
    • Benefits
    • State Guides
    • Calculator
  • Resources
    • Bases
    • Pay Center
    • BAH Rates
  • Learn
  • About Us
    • About Us
    • Contact Us

The #1 Trusted Source for Veterans and Service Members

va loan network logo

SAME DAY APPROVAL

No Money Down, Low Interest Rates, No Mortgage Insurance

Check Your Eligibility

first lead form

"*" indicates required fields

Are you looking to purchase or refinance?
What is your goal?
Are you or your spouse retired or active military?
Active Military or Retired?
Are you receiving military retirement or VA Disability pay
Have you received PCS orders?
Where are you in the buying process?
Are you working with a real estate agent?
$350k - $400k
$0
$2m +
This field is hidden when viewing the form
This field is hidden when viewing the form
Is this the first use of your VA entitlement?
What is your credit score?
Do you currently have a home to sell?
Do you currently have a VA loan on your property?*
$350k-$400k
$0
$2m +
$200k - $250k
$0
$2m +
$100k -$120k
What is the rate on your loan ?

Enter your contact details

Name*

By providing your name, email, and phone number, you consent to receive calls and texts from our VA loan specialists and lenders regarding your application. Message and data rates may apply. Your information will be used solely for this purpose. You can opt out at any time.

This field is for validation purposes and should be left unchanged.

$6,000 Grants for Veteran Homebuyers: Your Guide to Assistance

by Scott Levine | May 8, 2025 | Home Buying, Mortgage

$6,000 Grants for Veteran Homebuyers

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.

Check VA Loan Rates and Get Pre-Approved

AI Logo Your Article Summary
Paragraph Bullet Points

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
  • Eligibility for the HISA Grant
  • How to Apply for the HISA Grant
  • Other Grants for Veterans Buying a Home
  • Specially Adapted Housing (SAH) Grant
  • Special Housing Adaptation (SHA) Grant
  • Temporary Residence Adaptation (TRA) Grant
  • State-Specific Veteran Homebuyer Grants
  • Comparing Key Veteran Housing Grants
  • Using VA Loans with Grants
  • Actionable Tips for Financial Assistance
  • Common Challenges & Solutions
  • Frequently Asked Questions

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

  1. Gather Documentation: Collect your VA claim number, Social Security number, and medical records.
  2. Create an eBenefits Account: Register at eBenefits to start your application.
  3. Submit Your Application: Provide details about the proposed modifications and include contractor estimates.
  4. 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

GrantMax AmountPurposeEligibilityLifetime Use
HISAUp to $6,800
(service-connected)
Home modificationsService-connected disabilityMultiple (up to cap)
SAHVaries (over $100k)New construction/major modificationsSevere disabilities (e.g., mobility issues)Up to 6 times
SHAVaries (tens of thousands)Smaller modificationsLess severe disabilitiesUp to 6 times
TRAVaries (based on SAH/SHA eligibility)Temporary home adaptationsSAH/SHA eligibility; living with familyUp 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.

Related Posts

Specially Adapted HousingSpecially Adapted Housing (SAH) Grant VA Adaptive Housing GrantsVA Adaptive Housing Grants: A Complete Guide Push to Expand Specially Adapted Housing Grants for Disabled VeteransPush to Expand Specially Adapted Housing Grants for Disabled Veterans Combine Grants with VA Loans for Additional SavingsCombine Grants with VA Loans for Additional Savings Temporary Residence AdaptationTemporary Residence Adaptation Grant Disability Grants for Veterans: How to Qualify and ApplyDisability Grants for Veterans: How to Qualify and Apply

Latest Articles

  • VA Adjustable Rate Mortgage Loans
    Why You Should Avoid VA Adjustable Rate VA Home Loans
  • $6,000 Grants for Veteran Homebuyers
    $6,000 Grants for Veteran Homebuyers: Your Guide to Assistance
  • Is the VA Funding Fee Tax Deductible?
    Is the VA Funding Fee Tax Deductible?
  • First vs. Subsequent VA Loan Use
    First vs. Subsequent VA Loan Use Explained
  • 2025 VA Loan Rates Are Lower Than Conventional Loans
    2025 VA Loan Rates Are Lower Than Conventional Loans
  • White House Reverses Trump’s Veterans Day Renaming Proposal
    White House Reverses Trump’s Veterans Day Renaming Proposal
  • Less Competitive Housing Market in 2025 Benefits Veterans
    Less Competitive Housing Market in 2025 Benefits Veterans
  • va Non-Allowable Fees
    Non-Allowable Fees for VA Home Loans
  • Understanding the Closing Disclosure on a VA Loan
    Understanding the Closing Disclosure on a VA Loan
  • Understanding the Loan Estimate on a VA Loan
    Understanding the Loan Estimate on a VA Loan
  • Title Insurance on a VA Loan
    Title Insurance on a VA Loan: The Ultimate Guide for Veterans
  • Homeowner’s Insurance on a VA Loan
    Homeowner’s Insurance on a VA Loan
  • Surviving Spouses May Be Exempt from VA Funding Fee
    Surviving Spouses May Be Exempt from VA Funding Fee
  • What Are Discount Points on a VA Loan?
    What Are Discount Points on a VA Loan?

Our Latest Article

Why You Should Avoid VA Adjustable Rate VA Home Loans

Why You Should Avoid VA Adjustable Rate VA Home Loans

VA Loans

  • VA Loan Guide
  • VA Benefits
  • Credit Requirements
  • Loan Requirements
  • First-time Homebuyers
  • VA Loan Process
  • VA Certificate of Eligibility

About Us

    • Apply Now
    • About Us
    • Contact Us
    • Legal Disclosures

 

Follow Us

  • Follow
  • Follow
  • Follow

Our Blog

  • Learn
  • VA Loans
  • Mortgage
  • Real Estate
  • Trends
  • Veteran Life
  • News
  • Credit

Copyright © 2025  VA Loan Network

3128 Napier Pk Shavano Park, TX 78231 Phone: (800) 230-7201 Email: [email protected]

Pin It on Pinterest

Share This
  • Twitter
  • Facebook
  • Pinterest
  • Tumblr
  • Like