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FUNDING OPTIONS FOR YOU

Making Home Modifications
More Accessible

Browse Programs

Paying For Home Modifications

Find Programs That May
Help You Pay For Your Project

“Navigating funding options shouldn’t feel like a second job.”

Figuring out how to pay for home modifications can feel overwhelming, especially when every program seems to have different rules, requirements, and limitations.

This page was created to make that process easier to understand. We’ve organized funding options based on real situations so you can quickly see what might apply to you, what each program offers, and where to start.

Explore Programs
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Apply one or more filters to tailor your results and help find the best options for YOU

Step 1 Where is your home located?
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Step 2 How will you qualify for programs? (Select all that apply)
Step 3 Filter by program type
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Based on Income

USDA Section 504 Home Repair Loan & Grant

A federal safety net for rural homeowners — providing loans to very-low-income homeowners to repair, improve or modernize their homes, or grants to elderly very-low-income homeowners to remove health and safety hazards.

Grant Amount Up to $10,000 grant for 62 and older, direct loan (1%) beyond that and for younger; 45 day (underwriting) turnaround
Loan Amount Up to $40,000 at 1% fixed / 20-year term; combined max $50,000
Who Qualifies Very low-income homeowners (below 50% area median income)
Counties Served Rural areas nationwide — use the USDA property eligibility checker to confirm your address qualifies
Eligible Projects Ramps, stair lifts, grab bars, bathroom mods, health & safety repairs
Grant Loan Very Low Income Age 62+ for Grant
Visit Official Program →
Open to All

FHA Title I Property Improvement (TI PI) Loan

For repairs or modification to home that does not require purchase or refinance .

Loan Type Fixed-rate loan insured by FHA
Loan Amount Up to $25,000 for single-family homes; market-rate interest
Who Qualifies Minimum income and credit requirements (may vary by lender)
Coverage Nationwide — apply through any FHA-approved lender
Eligible Projects Any improvement that protects or improves livability — including accessibility
Loan No Equity Required Nationwide
Visit Official Program →
Open to All

FHA 203(k) Rehabilitation Mortgage

Useful if you're buying or refinancing a home that needs accessibility work — it lets you roll the cost of modifications into your mortgage instead of taking out a separate loan.

Loan Type FHA-insured mortgage including rehab costs (not a grant — repayment required)
Loan Amount Based on home value after improvements; must stay within FHA area limits
Who Qualifies Minimum income and credit requirements (may vary by lender)
Coverage Nationwide — through FHA-approved 203k lenders
Eligible Projects Structural repairs, room additions, accessibility mods, kitchens, bathrooms
Loan Purchase + Rehab Nationwide
Visit Official Program →
For Veterans

VA Specially Adapted Housing (SAH) Grant

For veterans with severe service-connected disabilities, this is one of the most significant financial resources available — a true grant with no repayment, usable up to six times.

Grant Amount Up to $126,526 for FY 2026 (total maximum amount)
Who Qualifies Veterans with qualifying service-connected disabilities
Coverage Nationwide — USA
Lifetime Uses Up to 6 separate adaptations over veteran's lifetime
Eligible Projects Home Accessibility Projects
Grant Veterans Only Up to $126,526
Visit Official Program →
For Veterans

VA Special Home Adaptation (SHA) Grant

A separate and distinct grant from the SAH with its own qualifying conditions.

Funding Type Grant — up to $25,350 for FY 2026 (total maximum amount)
Who Qualifies Veteran or family member owns home and veteran has specific service-connected disability (different ones than SAH)
Coverage Nationwide - USA
Eligible Projects Accessibility Projects
Grant Veterans Only Up to $25,350
Visit Official Program →
Based on Income

Monroe County Home Improvement Program

Provides grants or grant/low-interest loans to income-eligible homeowners for home repairs and improvements in the suburban towns and villages excluding the City of Rochester and Towns of Greece and Irondequoit. Residents of the City of Rochester, Greece and Irondequoit should contact their respective municipality.

Grant Amount Up to $20,000
Who Qualifies Income-qualified homeowners in eligible Monroe County areas
Counties Served Monroe County — excluding City of Rochester, Greece & Irondequoit
Eligible Projects Home Accessibility Projects
Grant Income-Based Monroe County
Visit Official Program →
Based on Income

Town of Amherst Housing Rehabilitation Program

This program provides eligible residents with a long term, interest-free, deferred payment loan for necessary home repairs, including accessibilty improvements.

Loan Type Up to $30,000 — Deferred loan (repaid upon sale or transfer)
Veteran Grant First $5,000 can be a grant for eligible veterans or surviving spouses
Who Qualifies Income-restricted homeowners in Town of Amherst
Counties Served Town of Amherst or Village of Williamsville (Erie County)
Eligible Projects Home rehabilitation including accessibility modifications
Grant Loan Deferred Loan $5k Veteran Grant Erie County
Visit Official Program →
Based on Income

Town of Cheektowaga Housing Rehabilitation Program

The primary goal of the Revolving Housing Rehabilitation Loan Program is to provide low-cost, affordable financial assistance to income-eligible homeowner-occupants to make needed repairs to their home, including accessibilty modifications.

Interest Rate 0–1.5% (lower income = lower rate)
Who Qualifies Income-qualified homeowners
Counties Served Cheektowaga, Sloan, Depew (Erie County)
Eligible Projects Home repairs & rehabilitation including accessibility
Loan Income-Based Erie County
Visit Official Program →
Based on Income

Keuka Housing Council, Inc. Home Repair Program

If you plan to stay in your home long-term, the forgiven loan structure makes this effectively a grant — but confirming the forgiveness timeline upfront is important.

Loan Type Deferred Loan but you must own and occupy for the term associated with your project cost after your project is completed.
Who Qualifies Income-qualified homeowners
Counties Served Yates County (Schuyler County sometimes included)
Eligible Projects Ramps, bathroom mods, accessibility repairs
Loan Forgiven Loan Income-Based Yates County
Visit Official Program →
Open to All

Flex Fund Loan program

There are no income, location or project restrictions with this loan program. There are no upfront costs and no home equity is required. All homeowners are welcome to apply.

Interest Rate 6.99% Fixed
Loan Term 7 Years
Who Qualifies Any NYS homeowner — no income restrictions
Coverage All of New York State
Eligible Projects Any home remodel or improvement — no limitations
Loan No Income Limit All NYS
Visit Official Program →
Open to All

Onondaga County Neighborhood Initiative: 1% Exterior Home Improvement Loan Program

This extremely low-interest loan is available to homeowners in several Onandaga county neighborhoods and can be used for exterior repairs (including ramps).

Interest Rate 1% Fixed / 7-Year Term
Maximum Amount $10,000
Who Qualifies Owner-occupants in designated neighborhoods — no income limit
Eligible Neighborhoods Cicero, N. Syracuse, Mattydale, E. Syracuse, Strathmore, Elmwood, N. & S. Valley
Eligible Projects Exterior improvements only
Note Visit their website and scroll down the page to find this program
Loan 1% Loan Exterior Only Onondaga (partial) No Income Limit
Visit Official Program →
Open to All

Outer Comstock Neighborhood: 1% Home Improvement Loan Program

This program offers very low-interest financing for a wide variety of projects, including both interior and exterior accessibility modifications.

Eligible Neighborhood Outer Comstock (Onondaga County)
Interest Rate 1% Fixed
Maximum Amount $25,000 for exterior and safety projects; $15,000 for non-emergency interior projects
Who Qualifies Owner-occupants in Outer Comstock neighborhood, Syracuse — no income limit
Eligible Projects Interior and exterior improvements
Note Visit their website and scroll down the page to find this program
Loan 1% Loan No Income Limit Onondaga (partial)
Visit Official Program →
Open to All

City of Syracuse Southside-Sankofa District: 1% Loan Program

The eligible boundary was recently expanded — if you checked before and didn't qualify, it's worth verifying your address again with Home Headquarters.

Interest Rate 1% Fixed / 7-Year Term
Maximum Amount $15,000
Who Qualifies Owner-occupants in Southside-Sankofa District, Syracuse — no income limit
Eligible Projects Exterior and/or emergency/health & safety improvements only
Note Eligible area recently expanded — verify your address with HHQ
Visit their website and scroll down the page to find this program
Loan 1% Loan No Income Limit Onondaga (partial)
Visit Official Program →
Open to All

University Neighborhood: 1% Home Improvement Loan Program

This very low-interest rate loan program is available to owner-occupants in Syracuse's University Neighborhood and can be used for both interior and exterior projects, including accessibility modificatuions.

Interest Rate 1% Fixed / 7-Year Term
Maximum Amount $25,000
Who Qualifies Owner-occupants in University neighborhood, Syracuse — no income limit
Eligible Projects Interior and exterior improvements
Note Visit their website and scroll down the page to find this program
Loan 1% Loan No Income Limit Onondaga (partial)
Visit Official Program →
Based on Income

Schuyler Housing Opportunity Council

Assistance is available to low-income, handicapped, or elderly individuals and families who need to upgrade or improve existing conditions that are unsafe or unhealthy.

Funding Type Grant — assistance for eligible homeowners; confirm current type with SHOC
Who Qualifies Low-income, handicapped, or elderly individuals needing safety repairs
Counties Served Schuyler County
Eligible Projects Unsafe or unhealthy home condition improvements
Grant Assistance Program Low-Income / Elderly Schuyler County
Visit Official Program →
Open to All

Lackawanna Home Repair Program

Contact the Lackawanna Housing Development Corporation via telephone to learn about their current programs.

Funding Type Loan — rehabilitation financing; confirm current terms at 716-823-5124
Counties Served City of Lackawanna (Erie County)
Eligible Projects Rehabilitation including accessibility improvements
Loan Rehab Program Lackawanna / Erie Homeowner Chooses Contractor
Visit Official Program →
Based on Health NeedsSpinal Cord Injury

Byron Riesch Paralysis Foundation Grant

Grant requests are reviewed quarterly and can include requests to partially fund more costly projects.

Grant Amount $2,000–$7,500
Who Qualifies Spinal cord injury or spinal cord-related disorder
Financial Need Required
Coverage USA (Wisconsin residents given preference; all states considered)
Eligible Projects Home modifications, adaptive equipment
Grant Spinal Cord Injury USA
Visit Official Program →
Based on Health NeedsNeuromuscular Disease

Laughing at My Nightmare: No More Nightmares Grant

This program is designed to help people living with muscular dystrophy and related diseases and their families get the adaptive equipment and home modifications they need.

Grant Amount $500 – $15,000
Who Qualifies Individuals with a neuromuscular disease falling under the muscular dystrophy umbrella
Coverage USA (western PA preferred; all states considered)
Eligible Projects Home modifications, adaptive equipment, accessibility needs
Grant Neuromuscular Disease USA
Visit Official Program →
Based on Health NeedsAny Disability / Chronic Illness

Laughing at My Nightmare: Tech-cessibility Program

Laughing at My Nightmare's Tech-Cessibility Program supplies assistive technology and adaptive equipment to people living with ANY disability.

Grant Amount Up to $5,000
Who Qualifies Any disability, diagnosis, or chronic illness
Coverage USA
Eligible Projects Assistive technology and adaptive equipment
Grant Any Disability USA
Visit Official Program →
Based on Health NeedsNeuromuscular Disease

MDA DME Grant

A smaller but targeted grant for equipment and non-permanent modifications — useful for grab bars, shower chairs, and similar items that don't require structural changes.

Grant Amount Up to $1,000
Who Qualifies Neuromuscular disease covered under the MDA program
Coverage USA
Eligible Projects Non-permanent home modifications, durable medical equipment
Grant Neuromuscular Disease USA
Visit Official Program →
Based on Health NeedsALS

Grants for Individuals Living with ALS

HARK-ALS provides assistance to alleviate the financial burdens faced by families battling ALS. Small home modification projects are eligible.

Who Qualifies ALS (Amyotrophic Lateral Sclerosis) diagnosis
Coverage USA
Eligible Projects Small home modifications
Grant ALS Diagnosis USA
Visit Official Program →
Based on Health NeedsALS

Project Main Street Grant

The unrestricted nature is the key advantage — funds aren't tied to a specific expense type, giving ALS patients and their families flexibility in how help is used.

Who Qualifies ALS (Amyotrophic Lateral Sclerosis) diagnosis
Coverage USA
Eligible Projects Unrestricted — any use supporting quality of life
Tip Consider applying alongside HARK for maximum support
Grant ALS Diagnosis Unrestricted Use
Visit Official Program →
Open to All

Friends of Man Grant

The mission of Friends of Man is to provide assistance to people of all ages who have genuine needs but can’t find help elsewhere, who "fall through the cracks" of available charitable or governmental resources. To provide help to maintain self-sufficiency in times of difficulty, as well as assisting with disability and medical needs.

Who Qualifies All ages with genuine need for home modifications
Referral Required Yes — doctor, social worker, or occupational therapist must refer
Coverage USA
Eligible Projects Home modifications, stairlifts, ramps
Financial Need Reviewed case-by-case
Grant All Ages Referral Required
Visit Official Program →
Open to All

Open Heart Outlaws Grants to Individuals

A Rochester-based non-profit organization dedicated to helping working class families who find themselves in hard times and need help.

Who Qualifies "Working Class" — i.e. doesn't qualify as low -income, but needs help
Coverage Open — verify current geographic scope with organization
Eligible Projects Home modifications — verify current scope
Financial Need Required — targeted at those who fall through income-based program gaps
Grant Working Class Need-Based
Visit Official Program →
Based on Income

Irondequoit Home Improvement Program

Although this program is not currently funded, the Town of Irondequoit hopes to have it active again soon — check with them directly for updates on availability.

Funding Type Grant — up to $7,500
Who Qualifies Income-qualified homeowners
Counties Served Town of Irondequoit (Monroe County)
Eligible Projects Accessibility projects
Note Program not currently funded — contact the Town for availability updates
Grant Income-Based Monroe County
Visit Official Program →
Based on Income

EISEP and More

Catholic Charities administers the Expanded In-Home Services for the Elderly program along with other ancillary funding sources. Call to see how they might be able to help.

Funding Type Grant — individual contribution may be required
Who Qualifies Income-qualified homeowners
Counties Served Monroe County
Eligible Projects Home safety and removal of physical barriers
Grant Income-Based Monroe County
Visit Official Program →
Based on Income

Expanded In-home Services for the Elderly (EISEP)

"Ancillary Services" can include removal of safety concerns and/or physical barriers. Each county operates differently - click through to the New York State Office for the Aging and then "Local Offices" to get in touch with your county's program.

Funding Type Grant — individual contribution may be required
Who Qualifies Income-qualified seniors
Counties Served All of New York State — contact your county local office
Eligible Projects Home safety and removal of physical barriers
Grant Income-Based All NYS
Visit Official Program →
Open to All

Regional Center for Independent Living Accessibility Services

RCIL may be able to assist you with locating and applying for funding to modify your existing owned home or adapt your rented home to meet your physical access needs.

Service Type Navigation assistance — RCIL helps you find and apply for available programs
Who Qualifies Income-based or diagnosis-specific homeowners and renters
Counties Served Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, Yates
Eligible Projects Funding navigation for owned home modifications or rented home adaptations
Navigation Service Income / Diagnosis 10 Counties
Visit Official Program →
Based on Income

Access for Veterans

A grant program designed to assist disabled veterans with permanent disabilities. The program makes the needed accessibility modifications for the Veteran in order to allow them to remain in, or return to, their homes for a more independent lifestyle.

Funding Type Grant — up to $25k
Who Qualifies Income-based, veteran, disabled
Counties Served Livingston, Genesee, Wyoming
Grant Income-Based Livingston / Genesee / Wyoming
Visit Official Program →

A Few Things to Keep in Mind Before You Apply

  • Programs change. Funding amounts, eligibility rules, and availability can shift at any time. Always verify details directly with the official program source before taking action.
  • Income limits are updated annually. If you were told you didn’t qualify in a previous year, it may be worth checking again — thresholds are reset each year.
  • Some programs can be combined. Stacking a grant with a loan is sometimes possible — but check with each program individually, as some have restrictions on layering.
  • Processing times vary widely. Some programs approve in weeks; others take several months. Contact the program directly for the most accurate timeline.
  • If a link is outdated, search the program name directly online or contact the administering organization by phone to find the current application page.
Ready to begin planning your home accessibility project?

Liv Home Pros Has Got Your Back

After exploring these options, call us to discuss personalized accessibility solutions for your home. We’re here to help evaluate your needs and recommend the right products and modifications to make your home more comfortable, more safe, and more Liv-able!
Request a Home Assessment

Frequently Asked Questions

Do I need to apply for these programs on my own?

That depends on the program. Most programs require you to apply directly with the administering organization — whether that’s a county office, a nonprofit, or a federal agency. This page gives you the information and links to get started. If you have questions about a specific program, reaching out to them directly is always the best first step.

Can I use multiple funding sources together?

In many cases, yes. Grants, loans, and local programs can often be stacked to cover more of your project costs — but combining programs requires checking eligibility rules with each program individually, as some have restrictions on layering. Contact each program directly to understand what’s allowed.

What types of home modifications are typically covered?

Common covered modifications include stair lifts, ramps, grab bars, widened doorways, roll-in showers, and other safety upgrades. Specific eligibility varies by program and your individual needs.

How long does it take to get approved for funding?

Timelines vary widely — anywhere from a few weeks to several months depending on the program, funding availability, and application volume. Contact the program directly for the most accurate timeline information for your situation.

Does Liv Home Pros help with the application process?

We can help you identify which programs might be worth exploring based on your location and situation — but each program has its own application process managed by its own organization. Schedule a free consultation if you’d like to talk through your options and get pointed in the right direction.

Are there income limits I need to meet?

Some programs have income limits while others do not. VA grants and HUD Title I loans, for example, don’t require an income test — but USDA and many state programs do. Each program sets its own thresholds, which can also change annually. Check directly with the program or visit their official website for current income limits.