Federal Grant and Loan Options for Handicap and Wheelchair-Accessible Showers
Handicap and wheelchair-accessible showers are essential for individuals with limited mobility, as they provide safety, accessibility, and independence.
However, the cost of making showers accessible can be a significant challenge for many families, especially those facing financial constraints.
At Yourson Construction, we specialize in creating personalized bathroom designs that prioritize safety and aesthetics to perfectly suit your unique requirements.
In this article, we’ll explore federal grants and loan options that can help alleviate the financial burden and make wheelchair-accessible showers a reality for individuals who need assistance.
Handicap and Wheelchair-Accessible Showers
Handicap and wheelchair-accessible showers are specifically designed to accommodate individuals with limited mobility. There are several key features that are commonly included to enhance safety and usability:
- Grab bars
- Shower benches
- Adjustable shower heads
- Roll-in showers with level thresholds
These modifications ensure easy entry and maneuverability and can help reduce the risk of falls and injuries.
Federal Grants for Handicap and Wheelchair-Accessible Showers
Military service members and inhabitants of rural areas are the primary focus of federal government aid.
Several grants are offered by the U.S. Department of Veterans Affairs to assist service members and veterans in modifying their homes for disabilities related to service.
Specially Adapted Housing
For the fiscal year 2023, which ends on September 30th, the Specially Adapted Housing (SAH) grant is available to provide up to $109,986 to put towards a home you intend to purchase, build, or modify.
Special Home Adaptation
Similarly, the Special Home Adaptation (SHA) grant can provide up to $20,036 for FY 2023 to modify a home for you or a family member.
Temporary Residence Adaptation
If you are temporarily living in a family member’s home, the Temporary Residence Adaptation (TRA) grant can help modify it. Otherwise, you must qualify for a SAH or SHA grant.
In FY 2023, TRA grants can provide up to $44,299 for SAH-qualified individuals and up to $7,910 for SHA-qualified individuals in FY 2023.
Home Improvements and Structural Alterations
The Home Improvements and Structural Alterations grant offers funds for medically necessary home improvements, such as accessibility updates to home entrances and bathrooms.
Individuals with service-related disabilities can receive up to $6,800, while those with non-service-related disabilities can receive up to $2,000.
Loan Options for Handicap and Wheelchair-Accessible Showers
Two low-rate home improvement loan options are available through the U.S. Department of Housing and Urban Development (HUD).
The Federal Housing Administration 203(k) Rehabilitation Loan
The Federal Housing Administration (FHA) 203(k) loan offers lower interest rates than credit cards or personal loans. It can be used to purchase a home in need of remodeling or to refinance an existing home loan.
The loan amount will depend on whether you choose the standard or limited 203(k) loan. Additionally, credit requirements may be less stringent than those for a traditional home equity loan or line of credit.
The FHA Title I Loan
FHA Title I loan is a fixed-rate loan for projects that improve the property’s “basic livability or utility.” This standard is all-encompassing and includes upgrades to accessibility.
Although a home improvement loan can be costly, it offers quick financing for crucial repairs and renovations. Typically, these loans come with annual percentage rates ranging from 6% to 36%. Individuals with excellent credit (690 or higher FICO) and high incomes are eligible for the lowest rates.
Additional Resources and Assistance
State and Local Government Programs
State and local government programs can provide additional resources and assistance with less-restrictive qualification requirements. These programs may offer financial support and guidance or connect individuals with relevant services and resources in their community.
Housing and homeownership resources for each state can be found on the state information list provided by the U.S. Department of Housing and Urban Development.
Non-Profit Organizations and Foundations
Several non-profit organizations have programs or grants specifically dedicated to home modifications and accessibility improvements.
Check out these resources to determine your eligibility for various home modification assistance programs and take a step towards creating a more accessible and inclusive living space.
Transform Your Home With Handicap and Wheelchair-Accessible Showers
At Yourson Construction, you can rest assured that your project will be completed to the highest quality and safety standards. Don’t let mobility challenges limit your daily life; take action now and invest in a safer, more accessible home.
Contact us today to transform your home with handicap and wheelchair-accessible showers!
