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Medicaid HCBS Waivers for Home Modifications

Last updated: July 28, 2026 Is the home unsafe right now? If a person cannot safely enter, leave, bathe, or reach a toilet, tell the Medicaid case manager that the request involves an immediate health or safety risk. For a fire, gas leak, electrical danger, medical emergency, or inability to leave during an emergency, call … Read more

How to Apply for the VA SAH Grant

Last updated: July 28, 2026 Bottom line: The Specially Adapted Housing grant, called the SAH grant, is a real Department of Veterans Affairs grant for veterans and service members with certain permanent, total, service-connected disabilities. It can help buy, build, or change a permanent home so the eligible person can live more independently. For fiscal … Read more

How to Find Local Home Repair Programs Near You

Last updated: July 28, 2026 If the home is dangerous right now Do not wait for a repair program if there is fire, smoke, a gas smell, carbon monoxide danger, sparking wires, sewage inside the home, flooding near electricity, a possible collapse, or no safe way to leave. Get everyone to a safe place and … Read more

Free Grant Money Robocalls and Application Fee Scams

Last updated: July 28, 2026 If someone is threatening you, will not leave your property, or says you must pay while they stay on the phone: end the call or move to a safe place. Call 911 for an immediate threat, fire, gas leak, live wires, break-in, or danger of collapse. A real grant program … Read more

Contractor Licensing, Insurance, and Permits

Last updated: July 27, 2026 If the home is dangerous now: Leave the unsafe area and call 911 for fire, a strong gas smell, sparking wires, collapse risk, threats, or another immediate emergency. Call the utility emergency line for a suspected gas or electrical hazard. Temporary work may be needed, but do not let urgency … Read more

Forgivable Loans, Deferred Loans, Liens, and Recapture Rules

Last updated: July 28, 2026 Before you sign: Ask one direct question: “What exact event could make me repay this money?” Get the answer in writing. A flyer that says “no payment,” “free repair,” or “fully forgivable” is not a substitute for the note, mortgage, deed of trust, lien, recapture agreement, covenant, and forgiveness schedule. … Read more

Energy Efficient Home Improvement Credit

Last updated: July 27, 2026 Bottom Line: The federal Energy Efficient Home Improvement Credit ended for property placed in service after December 31, 2025. It is not available for a furnace, heat pump, windows, insulation, or other work first installed and ready to use in 2026. However, some people can still claim the credit for … Read more

What Area Median Income Means for Home Repair Programs

Last updated: July 27, 2026 Bottom line: Area median income, usually called AMI, is a local income benchmark. A home repair program may serve households below 30%, 50%, 80%, 100%, or another percentage of AMI. To check your chances, you need the exact program, the correct income-limit area, your household size, the current limit year, … Read more

Safe Payment Practices for Home Repairs

Last updated: July 28, 2026 Bottom line: Do not pay the full repair price before the work is done. Use a written contract, a legal and reasonable deposit, and progress payments tied to work you can see. Pay by a traceable method such as a credit card or check when possible. Keep the final payment … Read more