If you are a veteran in Arizona planning repairs or accessibility work on your home, here is the direct answer: Arizona runs no grant or loan program for veteran home repairs. The state's real value shows up on your property tax bill instead, through a law that changed for tax year 2026. Here is how the federal grant money works, what Arizona adds, and how to apply for both.
The four federal VA grants#
The U.S. Department of Veterans Affairs (VA) offers four grant and health-benefit programs nationwide, and Arizona veterans qualify the same as veterans anywhere. Specially Adapted Housing (SAH) pays up to $126,526 in FY2026 for severe, permanent service-connected disabilities, such as loss of use of both legs or blindness rated 20/200 or worse. Special Home Adaptation (SHA) pays up to $25,350 in FY2026 for conditions like loss of use of both hands or certain respiratory injuries. Both are grants, not loans, so nothing is repaid. Apply with VA Form 26-4555; SAH or SHA can be used up to six times over your lifetime as funds remain.
Temporary Residence Adaptation (TRA) helps if you are living temporarily in a family member's home. In FY2026 it pays up to $50,961 through the SAH path or $9,100 through the SHA path. TRA can only be used once, counts as one of your six lifetime uses, and draws down whichever grant total, SAH or SHA, you qualify under. Congress currently authorizes TRA through September 30, 2026.
Home Improvements and Structural Alterations (HISA) is a VA health benefit, not a housing grant, so you apply through the VA medical center's Prosthetics and Sensory Aids Service with VA Form 10-0103 and a provider's prescription. Service-connected veterans can receive up to $6,800 over their lifetime; other eligible veterans can receive up to $2,000. Renters can use HISA with the landlord's notarized permission. SAH and SHA construction runs through a contractor holding a VA Builder ID, a registration, not an approval rating.
What Arizona adds#
Arizona's own agency for veterans is the Arizona Department of Veterans' Services (ADVS), at dvs.az.gov, (602) 255-3373. ADVS does not run a home repair, improvement, or adaptation grant or loan program for individual veterans. Its services are benefits counseling, state veteran homes, cemeteries, and hardship funds, not construction.
Arizona's real contribution comes through a property tax law, under Arizona Revised Statutes section 42-11111, effective with the 2026 tax year. A veteran with a 100% service-connected VA disability rating now qualifies for a full exemption from property tax on their primary residence. An unremarried surviving spouse may continue the exemption. A lower or nonservice-connected rating instead gets a partial exemption: a statutory base of $4,188 prorated by disability percentage, against an assessed value capped at $28,459. Both figures are statutory bases adjusted annually, so confirm current amounts with your county assessor. The household income limit that used to apply now covers only widows, widowers, and totally disabled persons, not veterans. You apply annually with your county assessor using Form 82514, filed between January 2 and March 1, along with your VA benefit summary letter.
How to apply in Arizona#
Finding a provider who knows VA paperwork: Not every contractor has worked on SAH, SHA, or HISA projects. Adapta Home USA verifies providers' VA Builder ID Verified status, so you can filter for professionals who have handled this paperwork before. Find Home Modifications & Remodeling providers in Arizona with VA Builder ID Verified status →
For the federal VA grants, ADVS Veteran Benefits Counselors (VBCs), more than 40 of them statewide and dual-accredited with the VA and American Legion, prepare and file VA claims free of charge, including VA Form 26-4555 grant claims, in person, virtually, or by phone. Book an appointment at (602) 535-1215 or through the ADVS online portal. For the property tax exemption, file with your county assessor instead, not with ADVS.
How the programs stack together#
The federal VA grants pay for the actual construction, so start there, since that money never has to be repaid. Arizona's property tax law does not fund a project, but for a 100% rated veteran it can remove the entire property tax bill going forward, a benefit many eligible veterans have not yet claimed since it took effect this tax year. Two other ADVS funds are worth knowing, though neither is a repair grant: the Military Family Relief Fund (MFRF) offers hardship grants for rent, utilities, or a vehicle, with expedited awards up to $3,000 and a lifetime cap of $20,000 per applicant. The Veterans' Donation Fund grants organizations, not individuals; one 2024 grantee repaired Navajo veterans' homes.
For more on the federal programs, see our VA home modification grants guide and VA grant decision tree. Our guide to paying for home modifications and wheelchair ramp cost guide can help you plan a project budget.
Figures on this page were verified against dvs.az.gov and azleg.gov in July 2026.
FAQ#
Does Arizona have a state program that pays for veteran home repairs or modifications?#
No. ADVS offers benefits counseling and hardship funds, not repair grants. The four federal VA grants pay for construction, and a new state property tax law adds relief for disabled veterans.
Do 100% disabled veterans pay property taxes in Arizona in 2026?#
No. Under a law effective with the 2026 tax year, a veteran with a 100% service-connected VA rating gets a full property tax exemption on their primary residence, with the option to continue for an unremarried surviving spouse.
What is the Arizona Military Family Relief Fund and can it help with housing costs?#
The MFRF is a hardship grant fund for bills like rent, utilities, and vehicle costs, not a repair grant. Expedited awards reach up to $3,000, with a lifetime cap of $20,000 per applicant.
Who helps Arizona veterans apply for VA housing grants for free?#
ADVS Veteran Benefits Counselors, dual-accredited with the VA and American Legion, prepare and file claims like VA Form 26-4555 at no cost. Book through (602) 535-1215 or the ADVS online portal.
Find a verified provider near you#
Adapta Home USA's directory lets you search Home Modifications & Remodeling providers in Arizona and filter for VA Builder ID Verified status. Our wheelchair ramp cost guide can help you plan your budget.
This article is for general educational purposes only and does not constitute medical, legal, or financial advice. Consult a qualified professional about your specific situation.
Program amounts, eligibility rules, and application procedures change. Figures on this page were verified against official government sources on the date shown, but you should confirm current details at VA.gov or with the administering agency before making decisions. Adapta Home USA is not affiliated with the U.S. Department of Veterans Affairs or any government agency.