Funding for Home Modifications: Grants, Insurance & VA Benefits

Every funding source available to DMV homeowners — state programs, VA grants, Medicare, and nonprofits

Home accessibility modifications can range from a few hundred dollars to tens of thousands. Fortunately, a patchwork of grants, benefits, and tax programs can dramatically reduce out-of-pocket costs — if you know where to look. This guide covers every major funding source available to DMV homeowners.

Maryland Programs

Maryland Accessibility Modification Program (MAMP)

Grants up to $7,500 for accessibility modifications including ramps, grab bars, stair glides, and bathroom remodels. Eligibility: Maryland homeowners or renters (with landlord permission) with disability or functional limitation; income limits apply.

Contact: MD DHCD, 1-800-756-0119

Maryland Senior Home Repair Program

Deferred loans (forgiven after residency period) for low-income seniors age 60+ to address health and safety issues including accessibility. Contact your local Area Agency on Aging for county-specific programs.

Washington DC Programs

DC Senior Home Repair & Modification Program

Provides free home repairs and accessibility modifications for DC residents age 60+. Services include grab bars, ramps, stair railings, and bathroom safety. No income limit for seniors 60+.

dhcd.dc.gov | 202-442-7200

Virginia Programs

Virginia DHCD Home Accessibility Program

Grants and low-interest loans for accessibility modifications for Virginians with disabilities or functional limitations. dhcd.virginia.gov.

Fairfax County Rehabilitation Loan Program

Zero-interest deferred loans for low/moderate income homeowners for accessibility modifications and critical repairs.

Federal & Veterans Programs

VA HISA Grant

Veterans with service-connected disabilities can receive up to $6,800 for home modifications related to the disability. Covers ramps, grab bars, walk-in showers, widened doorways. Apply through VA healthcare system.

VA Specially Adapted Housing (SAH) Grant

For veterans with severe service-connected disabilities. Up to $109,986(2025 amount) for constructing or modifying a home to accommodate the disability.

Medicare Advantage Supplemental Benefits

Since 2019, Medicare Advantage plans may offer home modification benefits. Some plans cover up to $500–$1,500/year for grab bars, non-slip flooring, and stair railings. Call your plan's member services to confirm.

Medicaid Home and Community-Based Services (HCBS)

Medicaid waiver programs in MD, DC, and VA can pay for home modifications as part of a home and community-based services plan for eligible individuals.

Tax Benefits

  • Medical expense deduction (IRS Schedule A): Costs for medically necessary accessibility modifications may be deductible. Consult a tax advisor.
  • FSA / HSA: Grab bars, ramps, and stairlifts qualify as medical expenses when medically necessary.

Nonprofit Resources

  • Rebuilding Together Metro DC — Free repairs and modifications for low-income seniors and people with disabilities in DMV.
  • Area Agency on Aging — Each county has an AAA that coordinates local modification programs. Find yours at eldercare.acl.gov.

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