Last Updated June 17th, 2025
The Department of Veterans Affairs (VA) offers the Specially Adapted Housing (SAH) Grant to eligible veterans and service members to help them live more independently in homes designed to meet their specific needs.
Whether you need a home built from the ground up or modifications to an existing residence, this grant can make your living space safer and more accessible.
This guide covers everything you need to know about the SAH Grant, including who qualifies, how to apply, and what adaptations are eligible.
In this Article
What Is the SAH Grant?
The SAH Grant is part of the Adaptive Housing Grant Program that provides assistance from the VA designed to help veterans with service-connected disabilities either build or modify their homes. The goal is to make living spaces more accessible, enabling veterans to live more independently.
This grant primarily supports veterans with severe disabilities such as loss of limbs, severe burns, or paralysis.
According to VA-certified housing expert Mark Reynolds, “The SAH Grant isn’t just about adapting homes; it’s about restoring freedom and dignity for veterans in their daily lives.”
Who Qualifies for the SAH Grant?
To qualify for the SAH Grant, veterans or service members must have specific service-connected disabilities as determined by the VA. These include:
- Loss of or loss of use of both legs.
- Blindness in both eyes (with visual acuity of 20/200 or less).
- Severe burns causing mobility challenges.
- Loss or loss of use of one leg and one arm.
Veterans must also have sufficient entitlement through the VA to cover the grant amount. Visit the VA SAH Grant site for more information.
What Can the SAH Grant Be Used For?
The SAH Grant is versatile and can be applied toward several housing adaptations. These include:
- Constructing a new, fully adapted home.
- Modifying an existing home to meet accessibility needs.
- Buying an already adapted home.
- Paying off the mortgage of an adapted home.
How Much Can You Receive with an SAH Grant?
The maximum SAH Grant amount for 2024 is $109,986, adjusted annually for inflation. Veterans can use this amount across multiple adaptations, provided they do not exceed the cap.
SAH Grant Breakdown Table
| Use Case | Maximum Amount | Notes |
|---|---|---|
| New Home Construction | $109,986 | Full grant amount available |
| Home Modifications | Variable | Depends on the cost of adaptations |
| Mortgage Payoff for Adapted Home | Up to $109,986 | Cannot exceed remaining entitlement |
Applying for the SAH Grant: Step-by-Step Guide
Applying for the SAH Grant may seem complex, but the VA has streamlined the process to make it more accessible. Here’s how to apply:
- Determine Eligibility: Confirm your disability status and entitlement through the VA.
- Complete VA Form 26-4555: Submit the 26-4555 form online via the VA’s eBenefits portal or by mail.
- Work with a VA-Specialized Agent: The VA assigns an agent to guide you through the process and ensure compliance with regulations.
- Secure Funding and Begin Adaptations: Once approved, the grant amount can be applied to approved housing costs.
Commonly Approved Home Adaptations
The SAH Grant covers a wide range of home modifications. Some of the most common include:
- Widening doorways for wheelchair access.
- Installing ramps or elevators.
- Adjusting bathroom layouts, such as roll-in showers or raised toilets.
- Adding railings or handrails in key areas.
As housing consultant Sarah Martinez explains, “The key to using your SAH Grant effectively is understanding which modifications will most enhance your daily life.”
Using the Temporary Residence Adaptation (TRA) Grant
If you’re living temporarily in a family member’s home, the Temporary Residence Adaptation (TRA) Grant can help. It provides up to $44,299 for SAH-eligible veterans to adapt temporary living spaces.
Comparing SAH and SHA Grants
While the SAH Grant is for severe disabilities, the Special Housing Adaptation (SHA) Grant serves veterans with less extensive needs, such as blindness in both eyes without full mobility loss.
Comparison: SAH vs. SHA Grants
| Feature | SAH Grant | SHA Grant |
|---|---|---|
| Maximum Amount (2024) | $109,986 | $22,036 |
| Disabilities Covered | Severe mobility loss | Partial disabilities |
| Temporary Grant Option | Yes | Yes |
Challenges to Keep in Mind
Although the SAH Grant offers immense support, there are challenges to consider:
- Application Timeframe: Processing can take several months.
- Adaptation Limits: Some modifications may not be fully covered.
- Coordination: Managing contractors and meeting VA requirements can be time-intensive.
Veterans advocate Daniel Harper advises, “Always consult with your VA agent and a reputable contractor to avoid surprises during the adaptation process.”
Frequently Asked Questions
What is the Specially Adapted Housing (SAH) Grant?
The SAH Grant helps veterans with severe service-connected disabilities adapt or build homes that meet their unique needs. It provides up to $109,986 in funding to enhance accessibility and independence.
How can I apply for the SAH Grant?
You can apply by completing VA Form 26-4555, either online through eBenefits or by mail. A VA agent will assist you with the approval and funding process.
Can the SAH Grant be reused?
Yes, veterans can use their SAH Grant for multiple adaptations, as long as the total amount does not exceed the annual limit of $109,986.
What adaptations are covered under the SAH Grant?
The grant covers modifications such as widened doorways, ramps, roll-in showers, and adapted kitchens. Custom adaptations must align with VA-approved guidelines.
What is the difference between SAH and SHA Grants?
The SAH Grant is for severe disabilities like paralysis or loss of limbs, while the SHA Grant supports veterans with less extensive impairments.
What is the Temporary Residence Adaptation (TRA) Grant?
The TRA Grant allows eligible veterans to adapt a family member’s home for temporary living arrangements, with a maximum amount of $44,299.
Can surviving spouses access the SAH Grant?
No, the SAH Grant is specifically for veterans or service members with service-connected disabilities. Other programs may be available for spouses.
Do I need to repay the SAH Grant?
No, the SAH Grant is not a loan. It is a benefit provided by the VA and does not need to be repaid.
Levi Rodgers is a real estate expert and retired U.S. Army Green Beret. He writes about VA loans, homeownership, and helping Veterans buy homes. After service, he built a top real estate team and shares trusted advice for first-time and military buyers. Get to know Levi Rodgers
Related Posts
Push to Expand Specially Adapted Housing Grants for Disabled Veterans 
Temporary Residence Adaptation Grant 
VA Adaptive Housing Grants: A Complete Guide 
Special Housing Adaptation (SHA) Grant: A Comprehensive Guide 
Disability Grants for Veterans: How to Qualify and Apply 
Housing Grants for Disabled Veterans
