Below is a list of programs that provide free or low-cost home modifications to people who have disabilities or chronic health problems. Some programs may also offer home repairs or improvements. If any links on this page stop working, please comment below and let us know. Thank you!
A few tips for contacting programs:
🌸 Contact all programs that say “senior” or “elderly” (even if you are young).
🌸 You do not need to be on disability to qualify for most of these programs
🌸 Many programs are available to renters.
🌸 Be prepared to make a LOT of phone calls or send a lot of emails. Be prepared to be told “no” a lot. Don’t lose hope.
🌸 The more places you contact, the better your chances of finding something.
Where to Find Programs
Energy Efficient Improvements
Many areas have programs that provide free modifications to make homes more energy efficient. Programs vary by area, and some provide heat pumps, furnaces, windows, lights, and insulation:
- Programs that provide free energy efficiency home improvements.
- Programs that helps with power bills.
- More programs that help with power bills
- How I Got $18,000 in home improvements
Home Modification Programs
Directories of programs that offer free home modifications for people with disabilities:
- Rebuilding Together
- State Programs that pay for Home Modifications
- Grants for Home Modifications.
- Home Mods Directory
- Home Repair Grants
For Veterans
There are many types of funding available for veterans. Check out:
Through Medicaid
In some states, Medicaid Waiver programs will pay for home modifications (widening doorways, evening floors, wheelchair ramps, walk-in bathtubs, etc).
- If you are disabled and in a Medicaid Waiver Home Aide Program, ask your caseworker for a list of other benefits available through the program.
- Here is a list of programs in 27 states: Medicaid Waiver programs that provide free home modifications
Local Agencies
Call and ask if they offer or know about local programs that offer home modifications or repairs:
- Independent Living Center
- Eldercare Locator (call even if you are young)
- Area Agency on Aging (call even if you are young)
- State housing finance agency
- Volunteer programs such as churches, high schools, boy scouts, etc.
- 211.org (or dial 2-1-1 on your phone)
Creative Strategies
- If your home modifications will help you return to work or school, or continue going to work or school, you may be able to inquire about funding through a vocational rehabilitation agency.
- If you currently live in public housing or housing funded by HUD or another federal agency, your landlord may be required to make home modifications if you make a disability accommodation request.
- A Social Worker or caseworker may be able to help you find services in your area: How to Get a Social Worker
- You can also consider moving to an apartment that doesn’t need modifications. HUD offers disability-accessible apartments that are very affordable. Many of our readers report finding nice and very affordable housing this way: How to Find Yourself a Nice, Affordable HUD Apartment
- Most health insurance will not pay for home modifications. But they will often pay for medical equipment in the home (wheelchairs, scooters, walkers, etc). How to Get Medical Equipment
- Guide to funding for walk-in tubs
- Guide to funding for stair lifts
Homeowners
See all programs listed above. In addition:
- If you are a homeowner, search for state-specific tax credits, rebates, and savings at http://energy.gov/savings. See Rose’s story below.
- Lenders may offer home equity conversion mortgages or reverse mortgages that allow homeowners to utilize home equity to pay for improvements. Learn more by visiting https://www.ncoa.org/economic-security/home-equity/
- If you are low income and live in a rural area the USDA Home Repair Program may be able to provide up to $7,000 for home repairs
- Most areas provide discounts on property tax for people who are elderly or disabled. Contact your local tax assessors office.
- HUD offers loans for home modifications. You can also try contacting your local HUD office and asking if there are any grants for home modifications in your area. (grants do not have to be paid back, loans do)
- Some programs pay for furnace repairs or replacements.
Planning & Tips
What Kind of Modifications Can I Get?
Home modifications some of our readers have found helpful: Examples of Home Modifications. The National MS Society also has a great booklet on Adapting Your Environment.
If You Are Applying for Disability
- If you apply for a home modification, the program may do an assessment of your disability needs in your home. They may also ask for documentation or a form from your doctor. Any type of paperwork or assessment may be helpful for your disability case.
- It is a great idea to request and keep copies of everything that documents your disability needs and submit this to Social Security.
- Hint: It is better not to send anything to your local Social Security office – send it directly to the person or office who is currently handling your case.
Rose Gets Home Modification Tax Credits
My county offers a “Livable Homes Tax Credit” that reduces your property taxes by the amount you spend on home modifications for disabilities with a $2500/year limit.
It can include ramps, nonslip flooring, walk in showers, grab bars, different style door handles, etc. There is a whole list of eligible improvements.
There is a limit of $2,500 per year (you can do improvements in consecutive years to get the tax credit again if doing everything you want costs more than $2500, or do 2 or 3 smaller projects that add up to $2500 in the same year)
Please check to see if property tax credits are available where you live. When they originally introduced the credit, it was for 50% of the cost but they have since increased it to 100% of the cost (It is not an instant reimbursement since you have to apply by April 1 (with the improvement completed) for the credit to show up on your July property tax bill.
Learn More
How to Survive Financially While Applying for Disability
How to Greatly, Greatly (Greatly!) Improve Your Disability Application
Thanks for Reading
🌸 This page is part of the free online guide: How to Be Poor in America
🌸 Art on this page by Robin Mead and Elizabeth D’Angelo.
🌸 To get daily updates on helpful disability services, and low income programs, follow us on Facebook: The Sleepy Girl Guide.
🌸 Please comment below with stories, ideas, questions or suggestions. Please let us know if any links on this page stop working. Please share this page with others by pressing one of these magic little buttons:
Link doesn’t work. Thank you.
Programs that provide free energy efficiency home improvements.
https://howtogeton.wordpress.com/2020/03/02/how-to-get-disability-home-modifications/
LikeLike
Thanks so much for letting us know. Here’s the correct link: https://www.energy.gov/eere/wap/weatherization-assistance-program
LikeLike
looking for help on wheelchair assistance, Detroit Mi,
LikeLike
[…] worried about paying for these modifications, research some of the many resources that provide home modification financial assistance for disabled people, such as Rebuilding Together and various state programs that pay for […]
LikeLike
So grateful for the The Sleepy Girl Guide To Social Security Disability and the the amazing resources provided! ❤️
LikeLike
Wow. I can’t tell you how much I appreciate this help. This site is a God-send to all of us.
LikeLike
Hello,
thank you for your details on how to apply for modifications and what steps, would you happen to know of resources or ways to help people who may not realize how to use the modifications. For example, I am a caregiver for my brother and he is really strong minded and feels he doesn’t need any type of help because he does not want to use or doesn’t really understand how to use the equipment properly and even want to walk without their wheelchair or walker because they want to remain “independent”.
I want to figure out how I can convince him to use it without feeling like I am “telling him what to do ” or taking away his own independence. Before his onset of seizures he was very independent and on his way to college, and working yet for the past 4 years he has been homebound and in and out of the hospital because of the severity of his condition. So I feel like its I have to help retrain his mindset on doing daily activities yet with a safety first perspective, yet i have not found a successful way to convince him. Can you please offer any guidance or advice on how to am a caregiver for my brother and he needs help walking and standing because he has over 20-30 seizures per day where he can fall and lose consciousness and it has caused multiple falls which some have even knocked out his teeth.
Yet he is a former football player and very strong minded individual who doesn’t truly understand that because of his condition that there is a certain way he must take his time or even use the device to be safe. I want to teach him to be patient with his long recover process yet I dont know the best way to teach him or show him without an angry response I dont need that I can walk on my own. Because of having so many seizures, he may even forget that he fell or even how it happened. I almost sometimes feel like I have to protect him from even moving. The biggest things is I am only 4’11 and he is 6’1. I would love to teach him how to have a Great, disabled life.
LikeLike
Hello destiny,
I am very I’m glad you’re there to care for your brother. I’m sorry I don’t really know an answer to this.
Would he be willing to meet with the physical therapist or occupational therapist? I think this might be where to go to get assistance with how to use equipment.
If there is any kind of physical therapy rehabilitation center in your area this could also be helpful. You could also try following the link above on this page to see if you come across any programs that specialize in a fifth of technology or rehabilitation. I would assume that these would be people who would be able to assist in teaching someone how to use equipment? I hope that it goes well for you.
LikeLike
Hi Destiny,
Talk with his Doctors and get him to physical therapy and may be OT, but definitely PT. They can and should direct you to area’s for help. My boyfriend had a massive stroke at 53 and has left sided weakness. Through the PT dept and his doctors they helped him understand what was happening to him and that things take time. They also put him on depression meds that are wonderful. It has been 3 years but he is just now finally doing somethings on his own and I can finally go back to work FT instead of PT. I have handicapped equipment like grab bars thru my house including bathrms. I have ramps he can now get thru the house on his own. Still is not walking by himself but he can walk, the scare he has is overwhelming for him. With your brothers seizures you might think about getting him a seizure dog thru K9 companions. The dog alerts him when a seizure is coming! Good luck and GOD BLESS you and your Brother.
Sincerely,
Laurie
LikeLike
Your site is a wonderful resource toward helping understand how both SSI & SSDI work & the differences!
I am assisting a dual eligible family member, identified as requiring 24/7 care & desires to return home. She mistakenly moved from rehab hospital to an “unapproved assisted living facility” as a temporary last resort with my subsidizing the portion of her her rent she is unable to pay while she continues to pay her home utilities, etc.
Obviously, this move was a mistake in thinking such a move would “avoid Medicaid having to pay her rent” until she relents to moving to a nursing home. Thanks to the clarity in your site, decision time has arrived.
LikeLike
Hi cookie,
I am glad you are there to help her.
If her goal is to avoid a nursing home, perhaps she can get into a medicaid waiver program so she can get care in her home. But it would not be 24/7. I have met a few people who did get 24/7 but it took a ton of appeals and fights, it would be very hard to get that 😦
In some states, waiver programs also have some funds available to help people move out of facilities into their own homes, so that may be worth inquiring about.
I was not sure I understood what you meant about subsidized rent, but I wanted to mention that if you pay part of her rent or utilities, this would lower her SSI check. It’s not clear where she’s living right now though, as long as she pays all her own rent in one place that would probably work.
When medicaid pays for a facility, I believe the disability check will stop in 30 days, but I believe there is a way to extend that to 90 days.
Just a few ideas. Not sure if any of that is helpful. I hope it goes great for you 💕
medicaid home aides: https://howtogeton.wordpress.com/2017/07/26/how-to-get-a-caregiver-through-a-waiver-program/
SSI rent:
https://howtogeton.wordpress.com/2017/01/26/how-to-figure-out-how-much-rent-to-pay-on-ssi/
LikeLike