How to Finance Home Accessibility Renovations in 2026

The cost of home accessibility modifications can range from a few hundred dollars for grab bars to tens of thousands for full renovations. Fortunately, numerous funding options exist to help offset these costs.

Federal Programs

VA Specially Adapted Housing (SAH) Grant

For veterans with service-connected disabilities. Provides up to $109,986 (2026) for home modifications including ramps, wider doors, and bathroom renovations. Contact your local VA office to apply.

VA Special Housing Adaptation (SHA) Grant

A smaller grant (up to $44,299 in 2026) for veterans with specific disabilities like blindness or loss of hands. Can be used for modifications to an existing home.

USDA Rural Development Grants

Low-income homeowners in rural areas may qualify for grants up to $10,000 for home repairs, including accessibility modifications.

State and Local Programs

Medicaid Home and Community-Based Waivers

Most states offer Medicaid waivers that cover home modifications for eligible individuals. Coverage varies significantly by state — some cover up to $15,000 in modifications.

State Assistive Technology Programs

Every state has an assistive technology program that may offer grants, loans, or equipment lending for accessibility needs.

Non-Profit Organizations

Rebuilding Together — Free home repairs and modifications for low-income homeowners
Habitat for Humanity — Some affiliates offer accessibility renovation programs
Area Agencies on Aging — Local agencies often administer home modification grants

Tax Benefits

Home modifications prescribed by a physician may qualify as deductible medical expenses. If total medical expenses exceed 7.5% of your adjusted gross income, the excess can be deducted. Consult a tax professional for guidance specific to your situation.

Private Financing

Home equity loans/HELOCs — Tax-deductible interest, lower rates
FHA 203(k) rehabilitation loans — Rolls modification costs into your mortgage
Personal loans — Quick approval, no home equity required
Contractor financing — Many accessibility contractors offer payment plans

Ready to start your project? Find a contractor who can help you plan modifications within your budget.