VA SAH GRANT GUIDE 2026
Everything you need to know about the Specially Adapted Housing Grant for disabled veterans - up to $126,526 for accessible home construction.
WHAT IS THE VA SAH GRANT?
The VA Specially Adapted Housing (SAH) Grant is a benefit program designed to help veterans with certain severe service-connected disabilities live independently. The grant provides funding to build, buy, or modify a home to meet your specific accessibility needs.
Unlike a loan, the SAH Grant does not need to be repaid. It's a one-time grant for veterans you've earned through your service, designed to help you live comfortably and safely in your own home. This is one of the most valuable VA grants for home repairs and modifications available to disabled veterans.
This amount is adjusted annually based on construction costs.
WHO IS ELIGIBLE FOR THE SAH GRANT?
You may be eligible for the SAH Grant if you have a service-connected disability that includes one or more of the following:
Not sure if you qualify? The VA makes the final determination on eligibility. We can help you understand the process and connect with the right resources.
WHAT CAN THE SAH GRANT BE USED FOR?
The SAH Grant gives you flexibility in how you use the funds to create an accessible living space. These grants to make your home handicap accessible can cover a wide range of modifications:
Build a New Home
Construct a new home on land you own, designed from the ground up for your accessibility needs.
Modify Your Current Home
Adapt your existing home with ramps, accessible bathrooms, wider doorways, and other modifications.
Buy an Adapted Home
Apply the grant toward purchasing a home that has already been modified for accessibility.
Common Modifications Include:
- Wheelchair ramps and zero-step entries
- Roll-in showers and accessible bathrooms
- Widened doorways and hallways
- Lowered countertops and accessible kitchens
- Grab bars and support rails
- Automatic door openers
- Stairlifts or residential elevators
- Non-slip flooring
HOW TO APPLY FOR THE VA SAH GRANT
The application process involves several steps. Here's what to expect:
Confirm Your Eligibility
Review the eligibility requirements above or contact your local VA office. You'll need a service-connected disability rating for a qualifying condition.
Apply Through the VA
Submit VA Form 26-4555 (Application for Specially Adapted Housing or Special Home Adaptation Grant). You can apply online at VA.gov, by mail, or with help from a VA representative.
Receive Your Certificate
Once approved, you'll receive a Certificate of Eligibility showing your grant amount. This typically takes 2-4 weeks.
Choose Your Contractor
Select a contractor experienced with VA SAH Grant projects. They need to understand VA requirements and be able to work within the program's guidelines.
Submit Plans for Approval
Your contractor submits detailed plans and cost estimates to the VA for approval. The VA reviews to ensure the modifications meet your needs and program requirements.
Construction & Inspection
Once approved, construction begins. The VA may inspect the work at various stages. Final payment is released after successful completion and inspection.
SAH GRANT VS. SHA GRANT: WHAT'S THE DIFFERENCE?
The VA offers two housing grant programs. Here's how they differ:
The VA will determine which grant you qualify for based on your specific disability rating.
VA SAH GRANT FREQUENTLY ASKED QUESTIONS
Do I have to pay back the SAH Grant?
No. The SAH Grant is a benefit, not a loan. You do not have to repay any of the funds used for approved modifications or construction. It is a one-time grant for veterans with qualifying disabilities.
Can I use the grant more than once?
Yes. You can use the SAH Grant up to 3 times, as long as the total amount doesn't exceed the maximum grant limit ($126,526 for 2026). This is helpful if you move or need additional modifications later.
Can I choose any contractor?
Yes, but it's important to choose a contractor experienced with VA SAH Grant projects. They need to understand VA requirements, documentation, and inspection processes. An inexperienced contractor can cause delays and complications.
How long does the process take?
The timeline varies, but typically: eligibility determination takes 2-4 weeks, plan approval takes 2-4 weeks, and construction time depends on the scope of work. Working with an experienced contractor helps keep things on track.
What if the grant doesn't cover all costs?
If your project costs exceed the grant amount, you're responsible for the difference. A good contractor will help you prioritize modifications and make the most of your grant funds.
What's the difference between SAH and other VA home grants?
The SAH Grant is specifically for major home adaptations for severely disabled veterans. Other VA grants for home repairs, like the SHA grant, cover less extensive modifications. The SAH grant provides significantly more funding for comprehensive accessibility needs.
READY TO USE YOUR VA SAH GRANT?
Built by Denny specializes in VA SAH Grant construction projects throughout North Alabama. We handle the paperwork, coordinate with the VA, and build the accessible home you deserve.
VA SAH GRANT CONTRACTOR SERVICE AREAS
We help disabled veterans use their SAH Grants throughout North Alabama.