Do I need a down payment?

No — with full entitlement the VA benefit allows $0 down with no monthly mortgage insurance.

Specially Adapted Housing (SAH) Grant

Grants to adapt a home for service-connected disabilities.

How it works

Specially Adapted Housing (SAH) and Special Housing Adaptation (SHA) grants help veterans with certain service-connected disabilities build or modify a home for accessibility — separate from, but combinable with, a VA loan.

Key things to know

$0 down payment with full entitlement, and no monthly mortgage insurance.
Requires a Certificate of Eligibility (COE) and a primary-residence occupancy plan.
A one-time funding fee applies (financed; waived for many disabled veterans).
VA county limits only matter for partial entitlement — otherwise there is no cap.

Program details change. Join the free alerts to hear about updates to the Specially Adapted Housing (SAH) Grant first.

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Frequently Asked Questions

What is the Specially Adapted Housing (SAH) Grant?: Specially Adapted Housing (SAH) and Special Housing Adaptation (SHA) grants help veterans with certain service-connected disabilities build or modify a home for accessibility — separate from, but combinable with, a VA loan.
Do I need a down payment?: No — with full entitlement the VA benefit allows $0 down with no monthly mortgage insurance.