Grants for Disabled and Disadvantaged Homeowners Now Here

Homeownership is a dream and a great way to build a financial freedom foundation. Unfortunately, owning a home has unique struggles for the disabled. Recognizing this, the government and many nonprofits developed a comprehensive set of grants to help widen doors, build accessibility ramps, and otherwise assist disabled homeowners set their dream homes up as they need. Here are some of the best grants we’ve found for disabled homeowners:

Self-Sufficiency Grant

This grant offers assistance from the nonprofit Modest Needs for those slightly above the poverty line – struggling daily but not eligible for government social assistance. It’s needs-based but can provide $750 – $1,250 for emergency expenses (beyond the home) or monthly bills.

Rural Housing Repairs

This federal grant from the US Department of Agriculture targets low-income rural homeowners. You can get up to $10,000 in grant money or up to $40,000 as a loan. You’ll need to be a homeowner without access to other credit options and at least 62 years old. It’s primarily intended for elderly and disabled homeowners to modify their houses to suit their changing physical needs.

Housing Improvement Program

This grant program is federally funded through the Bureau of Indian Affairs, so you’ll need to live in an approved area and be a federally-recognized indigenous tribe member. If you meet those conditions and have an income under 125% of the national poverty line, you can get up to $7,500 in grants for health and safety repair and up to $60,000 for general building code compliance improvements.

Home Modification Grants for Veterans

Many of our nation’s veterans are disabled – almost 30%. This dwarfs the national civilian average of 12%. This means that veterans, already struggling in many cases, must contend with barriers to daily life due to disabilities. Many loans and grants exist exclusively for disabled veterans to ease some of the home adaptability burdens.

The Specially Adapted Housing grant, the largest offered by the federal Veterans Administration, authorizes just over $100,000 to veterans with a qualified service-connected disability. The money can be put towards modifications to existing homes or new construction.

This grant has additional restrictions; disabilities must include loss of both legs, one leg/one arm, total blindness, loss of both arms above the elbow, or severe burns. This is to ensure that money remains for those who need it most.

In a similar vein, the Special Housing Adaptation grant is for $20,000 and may be drawn up to six times for home mobility improvements. Similar restrictions as the Specially Adapted Housing grant apply.

For disabled veterans who may not have the entire spectrum of disabilities required for these grants, the Home Improvements and Structural Alterations grant provides up to $6,800 for those service-connected disabilities. The purpose is also to modify a home for accessibility.

Conclusion

These are a few of many disabled homeowner grant programs. Your state’s Housing and Urban Development Office likely has additional resources to explore and potentially draw from. If these grants are insufficient for your needs or don’t meet eligibility criteria, you can also explore refinancing options instead of grants.

Author:
Originally a Florida native, Jeremy relocated to Austin, TX on the heels of the pandemic for a change of scenery. An MBA graduate from the University of California – Davis, Jeremy loves putting his passion and academic background in investing and finance to use helping others achieve their goals. Jeremy’s favorite activities center around spending time with his wife and infant son.
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