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Bathroom remodel grants: which programs pay?

Yes. Bathroom remodel grants — U.S. Department of Veterans Affairs: “This benefit provides medically necessary improvements and structural alterations to Veterans/Servicemembers’ primary residence for the following purposes:” “Use of essential lavatory and sanitary facilities (e.g. roll in showers)” Its HISA benefit is a lifetime amount of $6,800 for a service-connected disability. U.S. Department of Veterans Affairs, read October 28, 2026.

InstaBids is an AI-run marketplace for homeowners and property managers: describe a home job once, by chat or through your own AI assistant, add photos, and get multiple written quotes on the same scope, compared apples to apples, with no phone calls or home visits before you pick.

To compare written bids on a bathroom remodel, such as an accessible shower or grab bars, you can post the job on InstaBids.

By InstaBids editorial team with AI research agents. Statuses last read to

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At a glance

  • $25,350VA Special Home Adaptation grant: up to $25,350 for FY 2026U.S. Department of Veterans Affairs, disability housing grants (SAH, SHA), read October 28, 2026
  • $126,526VA Specially Adapted Housing grant: up to $126,526 for FY 2026U.S. Department of Veterans Affairs, disability housing grants (SAH, SHA), read October 28, 2026
  • $4,000Virginia EHARP: The maximum assistance is $4,000.Virginia Department of Housing and Community Development, EHARP, read October 22, 2026
  • up to 6 different timesVA SAH or SHA grant: uses of grant money over a lifetimeU.S. Department of Veterans Affairs, disability housing grants (SAH, SHA), read October 28, 2026
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Programs, amounts and status

Home Improvements and Structural Alterations (HISA)“$6,800” Status: open (source read 28 October 2026). Pays for: “Use of essential lavatory and sanitary facilities (e.g. roll in showers)”. Who it is for, in the agency's words: “Lifetime benefit for Veterans and Servicemembers. $6,800 will be approved to: Address a service-connected disability Address a compensable disability treated “as if” is a service-connected disability and for which the Veteran entitled to medical services under 38 USC 1710(a)(2)(c) (e.g., disability acquired through treatment or vocational rehabilitation provided by VA) Address a non-service- connected disability, if the beneficiary has a service-connected disability rated at least 50 percent disability (no combining or combination of disability percentages is allowed). $2,000 will be approved to: Address a disability that is not covered above” How to apply: prosthetics.va.govU.S. Department of Veterans Affairs, Prosthetic and Sensory Aids Service, read 28 October 2026
Specially Adapted Housing (SAH) grant“up to $126,526 for FY 2026” Status: open (source read 28 October 2026). “You can apply online right now.” Pays for: “Changing a home might involve installing ramps or widening doorways.”. Who it is for, in the agency's words: “You may be able to get an SAH grant if you’re using the grant money to buy, build, or change your permanent home (a home you plan to live in for a long time) and you meet both of these requirements. Both of these must be true: You own or will own the home, and You have a qualifying service-connected disability” How to apply: va.govU.S. Department of Veterans Affairs, read 28 October 2026
Special Home Adaptation (SHA) grant“up to $25,350 for FY 2026” Status: open (source read 28 October 2026). Who it is for, in the agency's words: “You may be able to get an SHA grant if you’re using the grant money to buy, build, or change your permanent home (a home you plan to live in for a long time) and you meet both of these requirements. Both of these must be true: You or a family member own or will own the home, and You have a qualifying service-connected disability” How to apply: va.govU.S. Department of Veterans Affairs, read 28 October 2026
Single Family Housing Repair Loans & Grants (Section 504)“Maximum grant is $10,000” Status: open (source read 23 October 2026). “Applications for this program are accepted through your local RD office year round” Pays for: “Loans may be used to repair, improve or modernize homes or remove health and safety hazards”. Who it is for, in the agency's words: “To qualify, you must: Be the homeowner and occupy the house Be unable to obtain affordable credit elsewhere Have a household income that does not exceed the low and very-low limit by county For grants, be age 62 or older and have a household income that does not exceed the very low limit by county” How to apply: rd.usda.govU.S. Department of Agriculture, Rural Development, read 23 October 2026
Essential Home and Accessibility Repair Program (EHARP)“$4,000” Status: open (source read 22 October 2026). “Assistance from local administrators is available to occupants based on income on a first-come, first-served basis.” Pays for: “the installation of wheelchair ramps and other accessibility modifications”. Who it is for, in the agency's words: “Assistance from local administrators is available to occupants based on income on a first-come, first-served basis. An applicant’s total gross household income from all sources cannot exceed 80 percent of area median income (AMI), adjusted for family size, which is currently determined by HUD. Homeowners and tenants (with homeowner written approval) are eligible to apply. The maximum assistance is $4,000. To apply for assistance, contact your local EHARP provider. The agency can provide additional information on eligibility requirements and how to apply.” How to apply: dhcd.virginia.govVirginia Department of Housing and Community Development (DHCD), read 22 October 2026
Home Repair and Accessibility Program (HRAP)Amount not stated by IHDA (read 2026-10-17) Status: waitlist (source read 17 October 2026). “In most cases grantees, will have substantial waitlists” Who it is for, in the agency's words: “The Home Repair and Accessibility Program (HRAP) is designed to assist low- and very low-income homeowners by providing funds for vital health and safety repairs and accessibility improvements. Through these activities, the program aims to preserve existing affordable housing stock, provide investment in communities, improve the health and well-being of occupants, and help low-income and disabled or mobility-impaired individuals remain in their homes. HRAP is administered through a network of grantees around the state, and individual homeowners apply though those grantees.” How to apply: ihda.orgIllinois Housing Development Authority (IHDA), read 17 October 2026

This table as data: data.csv · data.json

Programs by state

Each row is a state agency’s own home repair or accessibility program with the line its page showed on the date we read it; a row without a status value shows the program line its page gives instead. In Michigan, Kentucky, Indiana and Texas, local partners, grantees or providers run the program, so a household contacts them rather than the state agency. States not in the table were not read for this page.
GeorgiaHomeowner Rehabilitation and Reconstruction Program (HRRP), 2023/2024 disasters; its FAQ lists ADA accessibility improvements “ADA accessibility improvements”Georgia Department of Community Affairs (DCA) — Sources read: 23 October 2026
IllinoisHome Repair and Accessibility Program (HRAP), through local grantees (waitlist, as of 17 October 2026) “In most cases grantees, will have substantial waitlists”Illinois Housing Development Authority (IHDA) — Sources read: 17 October 2026
IndianaOwner Occupied Rehabilitation Program (communities apply; it lists select interior accessibility modifications) “NEW: Select Interior Accessibility Modifications”Indiana Office of Community and Rural Affairs (OCRA) — Sources read: 17 October 2026
KentuckyAHTF Home Repair (nonprofit agencies and local governments apply; accessibility adaptions eligible) “When a household member is disabled, accessibility adaptions are also eligible.”Kentucky Housing Corporation (KHC) — Sources read: 17 October 2026
MarylandAccessible Homes for Seniors (financing); the page states no application status “Financing for accessibility improvements to help seniors remain in their home and maintain their independence.” Maryland pageMaryland Department of Housing and Community Development (DHCD) — Sources read: 23 October 2026
MichiganMI Neighborhood (help through the local grantee) “Individuals cannot apply directly for MI Neighborhood grants.” Michigan pageMichigan State Housing Development Authority (MSHDA) — Sources read: 17 October 2026
MinnesotaFix Up loan, incl. its Accessibility loan; Emergency & Accessibility Loan Program; the page states no application status for them “Bathroom or kitchen remodels” Minnesota pageMinnesota Housing Finance Agency (Minnesota Housing) — Sources read: 22 October 2026
PennsylvaniaWhole-Home Repairs Program (county agencies); the page states no application status “If you are an individual or household, find the Whole-Home Repairs Program Agency that serves your county.”Pennsylvania Department of Community and Economic Development (DCED) — Sources read: 17 October 2026
TexasAmy Young Barrier Removal Program (AYBR), through local providers “TDHCA contracts with nonprofit organizations and local governments to administer the AYBR Program.” Texas pageTexas Department of Housing and Community Affairs (TDHCA) — Sources read: 22 October 2026
VirginiaEssential Home and Accessibility Repair Program (EHARP) (open, as of 22 October 2026) “Assistance from local administrators is available to occupants based on income on a first-come, first-served basis.” Virginia pageVirginia Department of Housing and Community Development (DHCD) — Sources read: 22 October 2026

VA bathroom remodel grant?

VA’s Home Improvements and Structural Alterations (HISA) benefit is a lifetime amount of $6,800 for a service-connected disability and some other cases VA lists, or $2,000 for any other disability, for medically necessary changes to the primary residence.

“Allowing accessibility to kitchen or bathroom sinks or counters (e.g. lowering counters/sinks)”

HISA does not pay for a spa, hot tub or Jacuzzi.

For Veterans with the service-connected disabilities VA lists for it, VA’s Special Home Adaptation grant pays up to $25,350 for FY 2026 toward buying, building or changing a permanent home.

Sources: U.S. Department of Veterans Affairs, Prosthetic and Sensory Aids Service (HISA), read ; U.S. Department of Veterans Affairs, disability housing grants (SAH, SHA), read .

For accessibility changes like a wider doorway or a roll-in shower, you can post the bathroom job on InstaBids for written bids.

Bathroom remodel grant?

USDA’s Section 504 grant, for homeowners aged 62 or older with very low income, can pay to remodel a home for a household member with a disability; USDA’s rule at section 3550.102 says:

“Grant funds may be used only to pay costs for repairs and improvements that will remove identified health and safety hazards or to repair or remodel dwellings to make them accessible and useable for household members with disabilities.”

“Maximum grant is $10,000”

Virginia’s EHARP pays up to $4,000 through local providers for repairs that include accessibility modifications.

Sources: U.S. Department of Agriculture, Rural Development (Section 504), read ; eCFR, 7 CFR part 3550 subpart C, read ; Virginia Department of Housing and Community Development, EHARP, read .

Once you know which grant pays for the remodel, you can describe the bathroom job once on InstaBids and contractors bid in writing.

Senior bathroom remodel grants near me?

Senior repair grants on these pages are reached through a local office or agency. USDA takes Section 504 applications this way:

“Applications for this program are accepted through your local RD office year round”

Pennsylvania’s Whole-Home Repairs page, read October 17, 2026, gave no application status; it named county agencies as the way to apply and capped a homeowner grant at $50,000 per owner-occupied unit.

“If you are an individual or household, find the Whole-Home Repairs Program Agency that serves your county.”

In Illinois, IHDA’s Home Repair and Accessibility Program works through local grantees:

“In most cases grantees, will have substantial waitlists”

Sources: U.S. Department of Agriculture, Rural Development (Section 504), read ; Pennsylvania Department of Community and Economic Development, Whole-Home Repairs Program, read ; Illinois Housing Development Authority, home repair programs, read .

An older homeowner, or a family member helping, can post the senior bathroom job on InstaBids to see written bids side by side.

Bathroom remodel rebate?

The agency pages read for this page offer grants and loans for bathroom work, not rebates. Minnesota Housing’s Fix Up loan lists this among its eligible projects:

“Bathroom or kitchen remodels”

“Loan amounts from $2,000 to $75,000”

“No income limits for the Accessibility loan program”

Minnesota Housing’s Emergency & Accessibility Loan Program covers accessibility needs for a household resident with a disability.

Source: Minnesota Housing, Improve Your Home, read .

Since these programs are grants and loans rather than rebates, the bathroom job itself can go on InstaBids for written bids.

Bathroom remodel relief incentive?

None of the agency pages read for this page names a program called bathroom remodel relief incentive. The named VA grant for bigger home changes is Specially Adapted Housing, which pays up to $126,526 for FY 2026 for Veterans with the service-connected disabilities VA lists.

“If you’re eligible for an SAH or SHA grant, you can use money from your grant up to 6 different times over your lifetime.”

“Depending on the adaptations you need, and the bid from your builder, you can use as much or as little of your grant as you need this year.”

In Texas, TDHCA’s Amy Young Barrier Removal Program offers one-time grants of up to $22,500 for households with persons with disabilities, through local providers.

Sources: U.S. Department of Veterans Affairs, disability housing grants (SAH, SHA), read ; Texas Department of Housing and Community Affairs, AYBR, read .

Whatever the program is called, you can post the bathroom remodel scope on InstaBids and read each contractor's written bid.

Rebate, tax credit, grant or weatherization: how they differ

Grant: USDA’s Section 504 grant goes to homeowners aged 62 or older with very low income, and its federal rule allows it for this work:

“Grant funds may be used only to pay costs for repairs and improvements that will remove identified health and safety hazards or to repair or remodel dwellings to make them accessible and useable for household members with disabilities.”

Loan: the same USDA program also lends, with these terms on rd.usda.gov:

“Maximum loan is $40,000”

“Loan interest rate is fixed at 1%”

“Loans are termed for 20 years”

VA benefit: HISA is a lifetime amount for medically necessary changes, and VA’s rule for it is:

“Note: All HISA projects must be medically justified for the service connected disability and/or non-service connected disability.”

Before you apply

Cost, options and related pages

What a bathroom remodel costs, grab bar options and the outlet rule for a bath remodel are on the pages linked below.

Sources read:

Related pages

Related pages

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