What is a Specially Adapted Housing (SAH) grant?

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If you have specific service-connected disabilities, you may be able to get a grant from the Department of Veterans Affairs (VA) to construct an adapted home or modify an existing home to meet your adaptive needs. The goal of the Specially Adapted Housing (SAH) grant program is to help you have a home that is well adapted to your disabilities. For example, many people use SAH grants to make their homes accessible for wheelchairs.

Is there a limit on the amount of financial assistance the Department of Veterans Affairs (VA) will provide for Specially Adapted Housing (SAH) grants?

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Yes. Currently, the maximum amount of this grant is $70,465. This amount changes based on the average cost of construction.

Is life insurance available through the Department of Veterans Affairs (VA) to pay off the mortgage on a specially adapted house?

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Yes. Most veterans and servicemembers who receive a Special Home Adaptation (SHA) grant or a Specially Adapted Housing (SAH) grant are eligible for Veterans’ Mortgage Life Insurance (VMLI) covering the unpaid principal, up to $200,000, on the mortgage loan. You must apply before your 70th birthday.

To learn more about VMLI, read the Vets101 VMLI article.

Can I use my Specially Adapted Housing (SAH) grant or Special Home Adaptation (SHA) grant benefits for my temporary housing needs?

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A Temporary Residence Adaptation (TRA) grant may be available to veterans and servicemembers who are or will be temporarily residing in a home owned by a family member. This assistance (up to $30,934 for veterans eligible for an SAH grant or $5,523 for veterans eligible for the SHA grant) may be used to adapt the family member's home to meet the veteran’s or servicemember's special needs at that time.

Can I apply for Specially Adapted Housing (SAH) or Special Home Adaptation (SHA) benefits while I am on active duty awaiting discharge due to my disability?

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Yes. If you are currently being discharged from the military for a disability that meets the basic requirements for SAH or SHA benefits, but are maintaining active duty status, you may apply for these benefits.