SAH and SHA adapted housing grants: the real dollar amounts
Up to $126,526 (fiscal year 2026) to buy or change a home for a severe service-connected disability. Many eligible veterans never apply.
What it is
VA pays grants, not loans, to help severely disabled veterans buy, build or change a permanent home so they can live in it independently. You do not pay it back. There are two main grants: Specially Adapted Housing (SAH) and Special Home Adaptation (SHA). A third, the Temporary Residence Adaptation (TRA) grant, covers changes to a family member's home where you are living for a time, and you must qualify for SAH or SHA first. My page on the smaller HISA grant is a different benefit; this page is about the big ones.
How much it pays (fiscal year 2026)
| Grant | Maximum |
|---|---|
| SAH | $126,526 |
| SHA | $25,350 |
| TRA if SAH-eligible | $50,961 |
| TRA if SHA-eligible | $9,100 |
You can use grant money up to 6 different times over your lifetime, until you reach the maximum. Unused amounts carry forward, and the maximum is adjusted each year based on construction costs.
Fiscal year 2026
Who qualifies
Per VA's page, the disabilities are:
- SAH, for a permanent home you own or will own: loss or loss of use of more than one limb, loss or loss of use of a lower leg along with residuals of disease or injury, blindness in both eyes (20/200 or less), severe burns, or loss of one lower extremity after 11 September 2001 that affects balance or the ability to move.
- SHA, for a permanent home you or a family member owns or will own: loss or loss of use of both hands, severe burns, or certain respiratory or breathing injuries.
VA's page lists the exact wording and any service-connection requirement.
How to get it, step by step
- Open VA's application and file online, or fill out VA Form 26-4555.
- Have your Social Security number and your VA file or claim number (if you have one).
- Mail the form to: Department of Veterans Affairs, Claims Intake Center, PO Box 4444, Janesville, WI 53547-4444. Or take it to your nearest VA regional office.
- VA processes it and mails a decision letter. You can check status by signing in at VA.gov.
Traps to avoid
- Do not assume you must already own the home. The grant covers buying, building or changing a home.
- A grant amount printed in an old article may be out of date. VA's own older benefits page still shows 2012 figures. Use the fiscal year 2026 numbers on VA.gov.
- VA lists free accredited representatives who can help with your application.
Where to call and where to go
Phone
- VA main information line, 24/7: 1-800-698-2411 (TTY: 711). Number printed on benefits.va.gov; hours from va.gov/contact-us
- VA home loan line (also takes disability housing grant questions): 877-827-3702, Monday through Friday, 8:00 a.m. to 6:00 p.m. ET. Source: VA Home Loans contact page
- Veterans Crisis Line, 24/7: 988, then press 1. Source: Helpful VA phone numbers
Official pages