Your home safety plan

Help paying for it

Checked October 17, 2026. Amounts and rules change; confirm with the program before relying on them. Full details on the funding page.

• VA HISA grant (Home Improvements and Structural Alterations). Lifetime benefit of up to $6,800 for a service-connected disability (or any disability if rated 50% or more service-connected), and up to $2,000 for other veterans. VA Prosthetic and Sensory Aids Service: HISA
• VA SAH and SHA housing grants. For fiscal year 2026: Specially Adapted Housing (SAH) up to $126,526; Special Housing Adaptation (SHA) up to $25,350. VA: Disability housing grants for veterans
• USDA Section 504 Home Repair loans and grants. Loans up to $40,000 at a fixed 1% for 20 years. USDA Rural Development: Single Family Housing Repair Loans & Grants
• Medicaid home and community-based services (HCBS) waivers. Many state 1915(c) waivers cover 'environmental accessibility adaptations' such as ramps, grab bars, widened doorways and bathroom changes. Medicaid.gov: Home & Community-Based Services 1915(c)
• Area Agency on Aging (via the Eldercare Locator). Local agencies run or point to home-repair, minor home-modification and fall-prevention programs, often free or low-cost, and know the state's waiver and repair programs.. Eldercare Locator (Administration for Community Living)
• Rebuilding Together: Safe at Home. Volunteer and contractor-delivered home modifications to improve accessibility, reduce falls and help people age in place, generally at no cost to the homeowner.. Rebuilding Together: Safe at Home
• Medical expense deduction for accessibility changes (IRS Publication 502). Changes made to accommodate a home to a disability, such as ramps, widened doorways, handrails, grab bars anywhere, lowered cabinets, moved outlets, porch lifts and modified stairways, usually do not raise the home's value and can be counted in full as medical expenses. IRS Publication 502 (2025), Medical and Dental Expenses
• Medicare. Original Medicare generally does not pay for home modifications or bathroom safety items such as grab bars, raised toilet seats or bath seats. Medicare.gov: Durable medical equipment coverage