Key takeaways
- SAH grant: up to $126,526 for FY 2026 (VA.gov) to build, buy, or adapt a barrier-free home for veterans with the most severe service-connected disabilities.
- SHA grant: up to $25,350 for FY 2026 (VA.gov) for smaller home adaptations tied to specific service-connected conditions.
- HISA benefit: up to $6,800 for service-connected and $2,000 for non-service-connected medically necessary modifications — a separate VA health benefit, not a housing grant.
- TRA grant: lets you adapt a family member's home while you live there temporarily — up to $50,961 (SAH-eligible) or $9,100 (SHA-eligible) for FY 2026.
- A housing grant and a VA home loan are separate benefits you can use together, and grants do not have to be repaid.
- Nevada veterans apply through the national VA process and coordinate HISA locally through the VA Southern Nevada Healthcare System.
VA disability housing grants help veterans with qualifying service-connected disabilities buy, build, or adapt a home to live more independently. The two main grants are Specially Adapted Housing (SAH), worth up to $126,526 for fiscal year 2026, and Special Home Adaptation (SHA), worth up to $25,350 for FY 2026. A third benefit, HISA, covers smaller medically necessary modifications, and a TRA grant helps if you are temporarily living in a family member's home. All of these are separate from — and can be combined with — a VA-backed home loan. Here is how each program works for a Las Vegas or Clark County veteran, and how to apply.
- Severe mobility or vision loss from service → SAH grant (up to $126,526, FY 2026).
- Loss of use of both hands, certain burns or breathing injuries → SHA grant (up to $25,350, FY 2026).
- Need a ramp, widened doorway, or roll-in shower for a medical reason → HISA (up to $6,800 / $2,000).
- Living temporarily in a relative's home → TRA grant ($50,961 or $9,100, FY 2026).
- Buying or building an accessible home → pair a grant with a VA home loan (grants are not repaid).
What are VA disability housing grants?
VA disability housing grants are federal benefits that pay to make a home accessible for veterans and service members with certain service-connected disabilities. Unlike a loan, a grant does not have to be repaid. There are two grants from the Veterans Benefits Administration — the Specially Adapted Housing (SAH) grant and the Special Home Adaptation (SHA) grant — plus a Temporary Residence Adaptation (TRA) grant for veterans living in a family member's home.
Separately, the Veterans Health Administration runs the Home Improvements and Structural Alterations (HISA) benefit, which pays for medically necessary home modifications prescribed by a VA provider. HISA has lower dollar limits but broader eligibility, because it covers both service-connected and non-service-connected conditions. Many Nevada veterans qualify for more than one of these programs at the same time.
Valley West take
These grant maximums are set by federal law and adjusted every fiscal year. The figures on this page are the FY 2026 amounts published on VA.gov. Before you plan a project or sign a contract, confirm the current maximum and your remaining eligibility directly with the VA — the number you were quoted last year may be different this year.
SAH vs SHA vs HISA vs TRA: side-by-side
Each program serves a different need and is administered by a different part of the VA. The table below sets them side by side. All dollar figures are the FY 2026 maximums published by VA.gov and change each fiscal year.
| Program | FY 2026 maximum | What it is for | Administered by |
|---|---|---|---|
| SAH (Specially Adapted Housing) | Up to $126,526 | Build, buy, or adapt a barrier-free primary home | Veterans Benefits Administration |
| SHA (Special Home Adaptation) | Up to $25,350 | Smaller adaptations to an existing or family home | Veterans Benefits Administration |
| TRA (Temporary Residence Adaptation) | Up to $50,961 (SAH) / $9,100 (SHA) | Adapt a family member's home while living there temporarily | Veterans Benefits Administration |
| HISA (Home Improvements & Structural Alterations) | Up to $6,800 (service-connected) / $2,000 (non-service-connected) | Medically necessary modifications prescribed by a VA provider | Veterans Health Administration |
A useful way to think about it: SAH is the largest grant for the most severe disabilities, SHA is the mid-size grant, TRA is a way to use SAH or SHA eligibility on a relative's home, and HISA is a smaller, medically-driven health benefit you can stack on top.
Who qualifies for the SAH grant?
The SAH grant is for veterans and service members with the most severe service-connected disabilities, where the disability substantially limits mobility. According to VA.gov, you may qualify if you own or will own the home and have a qualifying service-connected disability such as:
- The loss or loss of use of more than one limb.
- The loss or loss of use of a lower leg along with the lasting effects of an organic disease or injury.
- Blindness in both eyes, with 20/200 visual acuity or less.
- Certain severe burns.
- The loss or loss of use of one lower extremity after September 11, 2001 that affects balance or the ability to walk (a category the VA limits to a set number of veterans each year).
The SAH grant can be used to build a new adapted home, buy a home already built with accessible features, or remodel an existing home to remove barriers. According to VA.gov, an eligible veteran can use the SAH grant up to 6 times over their lifetime, up to the total maximum available — so a veteran who adapts one home can apply remaining eligibility to a different home later if they move within Nevada or elsewhere.
Who qualifies for the SHA grant?
The SHA grant funds smaller home adaptations and is tied to a different set of qualifying service-connected conditions. Per VA.gov, you may qualify for SHA if you have a qualifying service-connected disability such as:
- The loss or loss of use of both hands.
- Certain severe burns.
- Certain respiratory or breathing injuries.
SHA can be used to adapt a home you or a family member already own where you live, or to help buy a home that is already adapted. The FY 2026 SHA maximum is $25,350. As with SAH, the amount and eligibility rules are set each fiscal year, so confirm the current figure with the VA before you begin.
Valley West take
You do not choose between SAH and SHA — the VA determines which grant your service-connected disability qualifies for based on its rating criteria. If you are unsure which applies, the fastest path is to apply and let the VA make the determination. A lender cannot decide your grant eligibility, and neither can we.
Planning to buy or build an accessible home in Las Vegas?
A VA housing grant often pairs with a VA-backed purchase or construction loan. Start a no-pressure conversation with a local mortgage company and we'll help you map the loan side while you pursue the grant with the VA. Figures are illustrative — not a quote, offer, or commitment to lend. NMLS #65506.
Talk through my VA loan optionsHow does the HISA benefit work?
HISA is a Veterans Health Administration benefit for medically necessary home modifications, and it is separate from the SAH and SHA housing grants. Because it is a health benefit, it is available for both service-connected and non-service-connected conditions — the dollar limits are lower, but more veterans qualify.
Per VA.gov, HISA provides a lifetime benefit of up to $6,800 for veterans with a service-connected condition and up to $2,000 for a non-service-connected condition. Typical HISA-funded work includes:
- Building an entrance or exit ramp so you can get into and out of your home.
- Widening doorways or hallways for a wheelchair.
- Modifying a bathroom for a roll-in shower or accessible fixtures.
- Improving plumbing or electrical systems needed to run home medical equipment.
HISA does not cover items like exterior decking, spa or hot tubs, home security systems, portable ramps or stair glides, or routine home maintenance such as replacing a roof or air conditioner. A completed HISA request needs a prescription written or approved by a VA physician describing the project and its medical justification.
What is the TRA grant?
The Temporary Residence Adaptation (TRA) grant helps a veteran who is temporarily living in a family member's home pay for medically necessary adaptations to that home. It is drawn from your overall SAH or SHA eligibility rather than being a fully separate pot of money.
For fiscal year 2026, per VA.gov, a veteran who is SAH-eligible can use up to $50,961 under TRA, and a veteran who is SHA-eligible can use up to $9,100. Using TRA reduces the eligibility remaining for a future SAH or SHA grant, so it is worth planning with the VA before you commit. TRA is especially useful for a service member recovering with family in the Las Vegas area before buying a permanent, fully adapted home.
Which grant might fit your situation?
Answer the questions below to see which program is most likely to apply. This tool is informational only — it does not determine eligibility, which only the VA can decide. Use it as a starting point for your conversation with the VA.
VA housing grant finder
Select the statement that best describes your situation. Informational only — not an eligibility determination.
This finder does not collect any information and is not a quote, application, or eligibility decision. The VA determines eligibility and grant amounts, which change each fiscal year. Verify everything at VA.gov before you rely on it.
How grants work with a VA home loan
A VA disability housing grant and a VA-backed home loan are separate benefits, and you can use them together. A grant helps pay for the accessible features of a home; a VA loan helps you finance the purchase or construction of the home itself. Because a grant is not a loan, it does not have to be repaid and does not add to your monthly payment.
Veterans frequently combine an SAH grant with a VA purchase or construction loan to buy or build a barrier-free home in Clark County. Timing and coordination matter — the grant approval and the loan closing need to line up — so it helps to plan both benefits early. If you also receive VA disability compensation, you are generally exempt from the VA funding fee, which lowers the cost of the loan itself. See our guide to the 2026 VA funding fee and who is exempt, and the broader VA home loans in Las Vegas overview for how the loan side works.
Disabled Nevada veterans may also qualify for a state property-tax exemption that stacks on top of these federal benefits. We cover it in the Clark County property taxes for veterans guide. If you are early in the process and weighing loan types, our VA vs FHA in Nevada comparison can help you frame the decision.
How to apply for a VA housing grant in Nevada
Nevada veterans apply through the same national VA process; there is no separate state grant application for SAH, SHA, or HISA. Here is the path for each.
Applying for SAH or SHA
Per VA.gov, you apply for the SAH or SHA grant with VA Form 26-4555. You can:
- Apply online at VA.gov using your login.
- Apply by mail — complete VA Form 26-4555 and mail it to the Department of Veterans Affairs, Claims Intake Center, PO Box 4444, Janesville, WI 53547-4444.
- Apply in person at your nearest VA regional office with the completed form.
Have your Social Security number and VA file or claim number ready. The VA processes your claim and mails you a decision letter, and you can track status on VA.gov.
Applying for HISA
HISA is requested through your VA medical team, not with Form 26-4555. You will need a prescription from a VA physician describing the project and its medical justification. Nevada veterans coordinate HISA through the VA Southern Nevada Healthcare System (VASNHS), whose main facility is the North Las Vegas VA Medical Center at 6900 North Pecos Road, North Las Vegas, NV. Ask your VA care team or the prosthetics service to start a HISA request.
Valley West take
If you are buying or building at the same time, start early. A grant determination can take weeks, and lining it up with a VA loan closing is smoother when both are in motion together. We handle only the loan side — the grant is between you and the VA — but we can help you sequence the two so the timing works for a Clark County purchase.
The bottom line
For a Nevada veteran with a qualifying service-connected disability, VA disability housing grants can pay a substantial share of the cost of an accessible home. In fiscal year 2026, the SAH grant maximum is $126,526 and the SHA grant maximum is $25,350, per VA.gov, with the HISA benefit adding up to $6,800 for medically necessary modifications and the TRA grant helping when you live temporarily with family. Because these figures are reset each fiscal year, always confirm the current maximum and your remaining eligibility on VA.gov before you plan a project. A grant pairs cleanly with a VA-backed home loan — and if you receive VA disability compensation, you are generally exempt from the funding fee too. Figures shown are illustrative only and reflect FY 2026 VA.gov amounts; they are not a quote, offer, or commitment to lend. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs, the FHA, HUD, or any government agency. Valley West Mortgage NMLS #65506. Equal Housing Opportunity.
Ready to plan the loan side of your accessible home?
Talk to a local mortgage company. We'll walk through your VA loan options for a purchase or build in Clark County and help you coordinate timing with your VA grant. No pressure, no obligation.
Start my VA loan conversationVA housing grants FAQ
What is the maximum VA SAH grant amount in 2026?
For fiscal year 2026, the Specially Adapted Housing (SAH) grant maximum is $126,526, according to VA.gov. The Special Home Adaptation (SHA) grant maximum for FY 2026 is $25,350. These figures are set each federal fiscal year and change annually, so confirm the current maximum on VA.gov before you rely on a number.
Who qualifies for a VA SAH grant in Nevada?
The SAH grant is for veterans and service members with a qualifying service-connected disability, such as the loss or loss of use of more than one limb, blindness in both eyes with 20/200 acuity or less, certain severe burns, or the loss or loss of use of one lower extremity after September 11, 2001 that affects balance or walking. Eligibility is determined by the VA, not by a lender. Nevada veterans apply through the same national VA process.
What is the difference between SAH, SHA and HISA grants?
SAH and SHA are Veterans Benefits Administration housing grants for veterans with specific severe service-connected disabilities; SAH funds building, buying or adapting a barrier-free home and SHA funds smaller adaptations. HISA is a separate Veterans Health Administration benefit for medically necessary home modifications, prescribed by a VA provider, and it is available for both service-connected and non-service-connected conditions at lower dollar limits. Many veterans qualify for more than one program.
How do I apply for a VA housing grant in Nevada?
You apply for the SAH or SHA grant with VA Form 26-4555, either online at VA.gov, by mail to the VA Claims Intake Center in Janesville, Wisconsin, or in person at a VA regional office. HISA is requested through your VA medical team and requires a prescription from a VA physician; Nevada veterans coordinate HISA through the VA Southern Nevada Healthcare System. Have your Social Security number and VA file or claim number ready.
Can I use a VA disability housing grant with a VA home loan?
Yes. A VA disability housing grant and a VA-backed home loan are separate benefits that can be used together. Veterans often combine an SAH grant with a VA purchase or construction loan to buy or build an accessible home. The grant does not count as a loan and does not have to be repaid, though timing and coordination matter, so plan both benefits early with your lender and the VA.
Do veterans with a service-connected disability pay the VA funding fee?
No. Veterans who receive VA disability compensation for a service-connected disability are exempt from the VA funding fee on a VA-backed home loan, according to VA.gov. That exemption is separate from the SAH, SHA and HISA grants, but many veterans who qualify for a housing grant also qualify for the funding-fee exemption, which lowers the cost of a VA purchase in Clark County.
What is the TRA grant for veterans living in a family member's home?
The Temporary Residence Adaptation (TRA) grant helps a veteran who is temporarily living in a family member's home pay for medically necessary adaptations to that home. For fiscal year 2026, a veteran who is SAH-eligible can use up to $50,961 and a veteran who is SHA-eligible can use up to $9,100, per VA.gov. TRA amounts are drawn from the veteran's overall grant eligibility and the limits change each fiscal year.
How many times can a veteran use the SAH grant?
According to VA.gov, an eligible veteran can use the Specially Adapted Housing grant up to 6 times over their lifetime, up to the total maximum available. This lets a veteran adapt a home, and later apply remaining eligibility to a different home if they move within Nevada or elsewhere. Confirm your remaining eligibility with the VA before you start a project.
- U.S. Department of Veterans Affairs — Disability housing grants overview (FY 2026 SAH $126,526, SHA $25,350, TRA $50,961 / $9,100; qualifying disabilities; 6-time lifetime use).
- U.S. Department of Veterans Affairs — How to apply for a disability housing grant (VA Form 26-4555; online, mail, and in-person methods).
- U.S. Department of Veterans Affairs, Rehabilitation & Prosthetic Services — Home Improvements and Structural Alterations (HISA) ($6,800 service-connected / $2,000 non-service-connected; VA physician prescription; excluded items).
- U.S. Department of Veterans Affairs — VA Southern Nevada Healthcare System (North Las Vegas VA Medical Center, 6900 N Pecos Rd).
- U.S. Department of Veterans Affairs — VA funding fee and closing costs (funding-fee exemption for veterans receiving disability compensation).
- U.S. Department of Veterans Affairs — VA-backed home loans overview (how a VA loan works alongside grant benefits).
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