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.

Specially Adapted Housing (SAH) Grant

by Ally Abernathy | Nov 26, 2024 | Veteran Life

Specially Adapted Housing

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.

AI Logo Your Article Summary
Paragraph Bullet Points

In this Article

  • What Is the SAH Grant?
  • Who Qualifies for the SAH Grant?
  • What Can the SAH Grant Be Used For?
  • How Much Can You Receive with an SAH Grant?
  • SAH Grant Breakdown Table
  • Applying for the SAH Grant: Step-by-Step Guide
  • Commonly Approved Home Adaptations
  • Using the Temporary Residence Adaptation (TRA) Grant
  • Comparing SAH and SHA Grants
  • Comparison: SAH vs. SHA Grants
  • Challenges to Keep in Mind
  • Frequently Asked Questions

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 CaseMaximum AmountNotes
New Home Construction$109,986Full grant amount available
Home ModificationsVariableDepends on the cost of adaptations
Mortgage Payoff for Adapted HomeUp to $109,986Cannot 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:

  1. Determine Eligibility: Confirm your disability status and entitlement through the VA.
  2. Complete VA Form 26-4555: Submit the 26-4555 form online via the VA’s eBenefits portal or by mail.
  3. Work with a VA-Specialized Agent: The VA assigns an agent to guide you through the process and ensure compliance with regulations.
  4. 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

FeatureSAH GrantSHA Grant
Maximum Amount (2024)$109,986$22,036
Disabilities CoveredSevere mobility lossPartial disabilities
Temporary Grant OptionYesYes

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.

Related Posts

Push to Expand Specially Adapted Housing Grants for Disabled VeteransPush to Expand Specially Adapted Housing Grants for Disabled Veterans Temporary Residence AdaptationTemporary Residence Adaptation Grant VA Adaptive Housing GrantsVA Adaptive Housing Grants: A Complete Guide The Special Housing Adaptation (SHA)Special Housing Adaptation (SHA) Grant: A Comprehensive Guide Disability Grants for Veterans: How to Qualify and ApplyDisability Grants for Veterans: How to Qualify and Apply Housing Grants for Disabled VeteransHousing Grants for Disabled Veterans

Latest Articles

  • Rent vs. Buy for Active-Duty Service Members
    Rent vs. Buy for Active-Duty Service Members: How VA Loans Shift the Equation
  • New Real Estate Commission Rules VA Loan
    New Real Estate Commission Rules on VA Loans: What Veterans Need to Know
  • 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

Our Latest Article

Rent vs. Buy for Active-Duty Service Members: How VA Loans Shift the Equation

Rent vs. Buy for Active-Duty Service Members: How VA Loans Shift the Equation

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