Veterans who receive a 100 percent disability rating from the VA can qualify for various housing benefits and programs. These VA housing benefits can help totally disabled veterans purchase homes, afford housing costs, and adapt their residences to accommodate their disabilities. As a veteran with a 100 percent disability rating, you deserve to know what housing benefits the VA may provide for you.
VA Home Loan Guaranty Program
The VA operates a home loan program available to active servicemembers and veterans. Under this program, the VA guarantees loans taken out by veterans from approved mortgage lenders. The VA home loan program offers several advantages over traditional mortgages, including the ability to take out a home loan with zero percent down, the waiver of private mortgage insurance, and favorable interest rates.
Veterans with a 100 percent disability rating may receive additional benefits under the VA home loan program, such as:
- Exemption from the VA funding fee
- Priority processing of loan applications
- Increased lender flexibility with financial qualifications
Property Tax Exemptions
Many states and municipalities offer exemptions or rebates on property taxes for veterans with 100 percent disability ratings from the VA. As a result, totally disabled veterans may obtain a significant reduction in their property tax bills, which can provide noticeable financial relief. Veterans with 100 percent disability ratings should contact their local tax assessor’s office or VA regional office to learn about available property tax exemptions or rebates.
Specially Adapted Housing and Special Housing Adaptation Grants
The VA also offers Specially Adapted Housing (SAH) and Special Housing Adaptation (SHA) grants to certain veterans with service-connected disabilities, including veterans with 100 percent disability ratings. Both programs help veterans develop their housing to include accommodations for their disabilities, such as wheelchair ramps, chair lifts, lowered counters, or bathroom grab bars. SAH provides financial resources for major renovations or new home construction, while SHA can provide financial assistance for more minor adaptations in existing homes. As of 2025, the VA can provide up to $121,812 for an SAH grant and up to $24,405 for an SHA grant.
A veteran can qualify for SAH if they own or will own the to-be modified or constructed home and they have a qualifying disability, such as:
- The loss or loss of use of more than one limb
- The loss or loss of use of a lower leg combined with the residuals of a natural disease or injury
- Blindness in both eyes
- Certain severe burns
- The loss or loss of use of a foot or lower leg after September 11, 2001, which leaves a veteran unable to walk without mobility devices
A veteran can qualify for SHA if they or a family member own or will own the home and the veteran has a qualifying disability, including:
- The loss or loss of use of both hands
- Certain severe burns
- Certain respiratory injuries
Temporary Residence Adaptation Grants
Disabled veterans who have temporary accommodations in a family member’s home can also apply for a temporary residence adaptation grant. Veterans who qualify for SHA or SAH grants can seek a temporary residence adaptation grant to modify a family member’s home to allow the veteran to reside there temporarily, such as installing ramps, widening doorways, or modifying bathrooms. As of 2025, veterans who qualify for an SAH grant can receive up to $49,062 for temporary residence adaptation or up to $8,760 if they qualify for an SHA grant.
State and Local Housing Programs
Multiple states and municipalities also operate housing assistance programs for veterans with service-connected disabilities. These programs include veteran-specific housing developments, accessible housing initiatives, home loan assistance, and rent subsidies. A veteran service organization or a VA social worker at a veteran’s local VA office can help veterans identify state and local housing programs.
Contact a VA Disability Attorney Today
When you receive a 100 percent disability rating from the VA, you may qualify for various housing benefits that can help you create a place to live that accommodates your disabilities. Contact Coskrey Law today for a free, no-obligation consultation with a VA disability lawyer to learn more about the benefits and services available to totally disabled veterans.