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Exploring Free Homes for 100 Percent Disabled Veterans

December 13, 2023

Key Takeaways

  • According to the VA, there are 1,107,440 disabled veterans with a 100% VA disability rating, which represents 20.44% of the total number of veterans with a service-connected VA rating of 0% or higher.[1] 

  • The Homes for Veterans Program in New York State offers fixed-rate mortgages with interest rates 0.375% below the already low-interest rates charged on SONYMA mortgages with down payment assistance.[2]

A local community chapter offers free homes for 100 disabled veterans, providing lifetime support. Interestingly, according to the VA, there are 1,107,440 disabled veterans with a 100% VA disability rating, representing 20.44% of all veterans with a service-connected VA rating of 0% or higher [1]. Read on to see how the VA details eligibility, application processes, and available services for these deserving veterans.

“The VA also offers housing grants for veterans and service members with certain service-connected disabilities to buy or change a home to meet their needs and live more independently.”

Eligibility Criteria for Disabled Veteran Housing Programs

To be eligible for free homes in disabled veteran housing programs, veterans must meet specific criteria, focusing on those needing accessible, affordable housing.

  • Disability Rating: Priority is given to veterans with a 100% service-connected disability rating from the VA, targeting those with the most significant needs.

  • Eligibility Requirements: Other criteria include income limits, residency qualifications, and an honorable military discharge. Each program has unique requirements, necessitating careful review by applicants.

  • Qualifying for Assistance: Eligible disabled veterans can seek assistance through various organizations and government agencies offering tailored housing solutions.

  • Making a Difference: These programs provide stable, affordable homes, enhancing the quality of life for disabled veterans and easing financial stress, allowing them to concentrate on health and well-being.

“According to the U.S. Census Bureau, there will be 67,495 homeless veterans in 2023, and veterans comprise 10.6% of all homeless in the country.”

Understanding VA Housing Grants and Allowances

Disabled veterans eligible for VA housing grants may also receive a clothing allowance to cover costs for wear and tear on clothing due to service-connected disabilities. This includes damage from prosthetics or certain medications. 

The allowance, as of 2021, is $821 annually, requiring annual application via VA Form 10-8678. Additionally, the Homes for Veterans Program in New York State offers an attractive housing benefit, providing fixed-rate mortgages at rates 0.375% below those of SONYMA mortgages, coupled with down payment assistance [2].

Specially Adapted Housing (SAH) Grant Details

  • Eligibility and Purpose: The SAH grant aids disabled veterans with severe service-connected disabilities in adapting homes for independent, barrier-free living.

  • Grant Amount and LimitationsAs of 2021, the grant caps at $100,896, usable once in a lifetime for specific home modifications.

  • Application Process: Veterans apply with VA Form 26-4555, undergoing home inspection and eligibility verification.

  • Additional Benefits: Recipients may access additional benefits like property tax exemptions, subject to state laws.

“It may be possible for veterans who meet certain criteria to qualify for a Specially Adapted Housing (SAH) grant if they are planning to buy, build, or change their permanent home.”

Special Home Adaptation (SHA) Grant Overview

A Special Home Adaptation (SHA) grant is a program that aims to provide financial assistance to disabled veterans for necessary home modifications. This grant helps disabled veterans make their homes more accessible and functional, allowing them to live independently.

How does the SHA grant work?

The SHA grant provides funding for eligible disabled veterans to adapt their homes according to their specific needs. The grant covers the cost of modifications such as widening doorways, installing ramps or lifts, modifying bathrooms, and making other necessary changes to accommodate the veteran's disabilities.

Eligibility and Qualifications

To be eligible for the SHA grant, a disabled veteran must meet certain criteria. They must have a service-connected disability rating of at least 10% and have specific disabilities related to mobility issues or blindness. The disabilities should be permanent in nature and affect daily living activities.

Financial Assistance

The maximum amount provided by the SHA grant is currently $20,215. However, this amount may change over time due to adjustments made by the Department of Veterans Affairs (VA). It is important for disabled veterans to consult with the VA or relevant organizations to get accurate information on current funding limits.

Application Process for Disabled Veterans

Disabled veterans can apply for the SHA grant through the Department of Veterans Affairs (VA). They need to complete an application form and submit it along with any required supporting documentation. The VA will review the application and determine eligibility based on established criteria.

Temporary Residence Adaptation (TRA) Grant Insights

The TRA Grant assists disabled veterans needing temporary housing adaptations while their permanent homes are modified, ensuring safe, accessible living environments.

  • Eligibility Criteria for TRA Grant: Eligibility requires a service-connected disability affecting mobility or daily activities, necessitating temporary housing modifications.

  • Types of Assistance Provided by the TRA Grant: Financial assistance covers modifications like ramps, widened doorways, and bathroom accessibility in temporary residences.

  • Application Process for the TRA Grant: Applications are submitted through the VA, with required documentation of eligibility and housing needs.

  • Benefits of the TRA Grant: The grant eases financial burdens, providing a secure, accessible temporary living space during permanent home modifications.

Application Process for Housing Grants

  • Eligibility Criteria and Documentation Requirements: Disabled veterans applying for housing grants must have a service-connected disability rating and meet income limits. Documentation includes discharge papers and a VA disability rating letter.

  • Researching Available Grants: Veterans should research grants for home modifications or new home construction, focusing on those fitting their needs.

  • Gathering Required Documents: Essential documents include proof of military service, DD-214, VA disability rating, and income verification.

  • Completing the Application: The application requires personal, disability, and financial details, plus intended grant use.

  • Submitting the Application: Submit the completed form with all documents as per the grant program's guidelines. Accurate, comprehensive applications enhance approval chances.


Eligible disabled veterans, including those seeking free homes for 100% disabled veterans, can access various grants like the SAH, SHA, and TRA through the Department of Veterans Affairs. These grants provide financial aid for home modifications, enhancing accessibility and quality of life. Veterans are advised to consult VA representatives or visit VA websites for detailed eligibility and application information.

To know more about cash-out refinancing loans for veterans, read through our resources at American Veteran today.

Michael Blair contributes his expertise to help veterans access government benefits and resources. Through his informative articles and guides, he plays a vital role in empowering veterans and improving their quality of life.
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