Archive for January 15th, 2026

At Senior Remodeling Experts, we believe those who served our country deserve a home that serves them in return. For many veterans in the Roanoke Valley, from the quiet neighborhoods of Salem to the bustling streets of Vinton, the home you’ve lived in for decades may now present new challenges. Perhaps the stairs feel steeper, or the bathroom feels less safe than it used to. Key Takeaways: 2026 Funding Limits Have Increased The VA has updated the maximum grant amounts for the 2026 fiscal year to keep pace with rising construction costs in areas like Roanoke and Salem: SAH (Specially Adapted Housing): Up to $126,526 for major modifications or new builds. SHA (Special Home Adaptation): Up to $25,350 for smaller-scale accessibility changes. TRA (Temporary Residence Adaptation): Up to $50,961 (if SAH-eligible) or $9,100 (if SHA-eligible) to modify a family member’s home. The “Six-Time Use” Lifetime Benefit One of the most important updates in recent years is that the SAH and SHA grants are not “one and done.” You can use your total entitlement across as many as six separate uses over your lifetime. This allows you to do a bathroom remodel now and save the rest of your funding for a ramp or kitchen modification later if your needs change. HISA Grants Cover Non-Service Conditions Unlike the other grants, the Home Improvements and Structural Alterations (HISA) grant is available even if your disability is not service-connected: Service-connected: Up to $6,800 lifetime benefit. Non-service-connected: Up to $2,000 lifetime benefit. Note: HISA requires a medical prescription from a VA doctor, often through the Salem VA Medical Center. Local Professional Requirements To use the SAH or SHA grants, you must work with a contractor who has a VA Builder ID. The VA will not release funds to a contractor who isn’t registered and vetted by them. This ensures that the construction meets specific “Minimum Property Requirements” for accessibility. Where to Start in the Roanoke Valley The application process typically takes 60 to 90 days. Do not start any construction until you have received “Final Approval” from the VA. For SAH/SHA: File VA Form 26-4555 through the Roanoke VA Regional Office (Poff Federal Building on Franklin Road). For HISA: File VA Form 10-0103 through the Prosthetics Service at the Salem VA Medical Center.   The good news is that the Department of Veterans Affairs (VA) offers significant financial support to help you modify your home. As of January 2026, these grants are more flexible and generous than ever before. This guide will walk you through everything you need to know about VA housing grants, local resources in Roanoke and Salem, and how to start your journey toward a safer, more independent life.   What are the main VA housing grants available in 2026? The VA offers three primary grants designed to help disabled veterans and service members live more independently: the SAH, SHA, and HISA grants. Each one serves a different purpose based on the level of disability and the type of home modification needed. In the 2026 fiscal year, the funding limits for these grants have been adjusted to account for rising construction costs, ensuring you have enough support to get the job done right. The Specially Adapted Housing (SAH) Grant The SAH grant is the most comprehensive. It is designed for veterans with permanent and total service-connected disabilities. In 2026, the maximum amount for an SAH grant is $126,526. This money can be used to build a new accessible home, remodel an existing home, or even pay down a mortgage on a home that has already been adapted. The Special Home Adaptation (SHA) Grant The SHA grant is for veterans with specific service-connected disabilities, such as the loss of use of both hands, certain respiratory injuries, or severe burns. The 2026 limit for this grant is $25,350. It is often used for smaller, targeted changes like widening doorways, adding ramps, or improving flooring to help with mobility and safety. The Home Improvements and Structural Alterations (HISA) Grant Unlike the other two, the HISA grant can be used by veterans with both service-connected and non-service-connected disabilities. If your condition is service-connected, you may receive up to $6,800. For non-service-connected conditions, the limit is $2,000. This grant is often used for “medically necessary” changes, such as installing a roll-in shower or specialized plumbing for medical equipment.   How does the “Six-Time Use” rule work in 2026? A common myth is that you can only use a VA housing grant once in your lifetime. In reality, you can now use your SAH or SHA grant entitlement up to six times throughout your life. This is a game-changer for veterans in the Roanoke Valley who may want to make small changes now and save the rest of their funding for a future move or a larger renovation later on. Imagine a hypothetical veteran named “Sam” living in Salem. Sam currently needs a wheelchair ramp and a widened front door, which costs about $15,000. He can use a portion of his **$126,526 SAH entitlement** now to cover that work. If Sam decides to move to a new house in Cave Spring five years from now, he still has over $111,000 left in his “grant bank” to help adapt his next home. This flexibility allows your home to grow and change as your needs do.   What specific home modifications are covered by these grants? VA housing grants cover a wide variety of structural changes that improve your safety and independence. The goal is to create a “barrier-free” environment where you don’t have to rely on others for basic daily tasks. Because we serve the local Roanoke area, we understand the specific challenges of our regional architecture—like the steep entries of Grandin Village homes or the high-walled tubs common in older Salem houses. Commonly covered modifications include: Bathrooms: Installing roll-in showers, walk-in tubs, and “comfort-height” toilets. Kitchens: Lowering countertops, installing pull-out shelving, and creating knee-space under sinks for wheelchair access. Entryways: Building permanent ramps (concrete or wood),