If you are a veteran in North Dakota planning repairs or accessibility work on your home, here is the direct answer: North Dakota has no dedicated repair grant or loan program. It does offer two flexible money programs veterans can put toward repair costs, plus a property tax credit tied to disability rating. Here is how the federal grant money works, what North Dakota adds, and how to apply.
The four federal VA grants#
The U.S. Department of Veterans Affairs (VA) offers four grant and health-benefit programs nationwide, and North Dakota 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 North Dakota adds#
North Dakota's own agency for veterans is the North Dakota Department of Veterans Affairs (NDDVA), at veterans.nd.gov, 701-239-7165, in Fargo. NDDVA runs no dedicated repair program, but two general assistance programs can cover repair costs.
The Veterans Aid Loan is a real state loan, up to $8,000 at a fixed 8% rate, over up to 48 months. Repay it on time and NDDVA refunds half the interest, an effective rate near 4%. Uses aren't itemized, so treat this as a general-purpose low-interest loan a veteran can direct toward repairs, not a purpose-built repair loan. Un-remarried surviving spouses are also eligible.
The Hardship Assistance Grant pays up to $5,000 per calendar year, capped at $7,000 lifetime, and its list of covered essential expenses explicitly includes emergency repairs. NDDVA pays vendors directly, speeding up urgent fixes like a failed furnace or roof leak.
North Dakota's other contribution is the Disabled Veterans Property Tax Credit (N.D.C.C. § 57-02-08.8). The 2025 legislature raised the credit basis to the first $9,000 of taxable valuation, up from $8,100. Your disability percentage applies against that $9,000: 100% reduces valuation by the full $9,000, 90% by $8,100, and 50% by $4,500. Eligibility requires a 50%+ service-connected rating, including extra-schedular individual unemployability (IU) paying at the 100% rate, per tax.nd.gov. You need an honorable discharge and owner-occupancy. Two married disabled veterans are capped at a combined 100%. An un-remarried surviving spouse keeps the credit, and one receiving Dependency and Indemnity Compensation (DIC) gets the full credit. Apply through your local assessor by April 1.
How to apply in North Dakota#
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 North Dakota with VA Builder ID Verified status →
North Dakota is unusual in that every county must fund a County Veterans Service Officer (VSO), under N.D.C.C. 37-14-18 and 37-14-19. Your local VSO helps free with federal claims, including VA Form 26-4555, and is the front door for both the Veterans Aid Loan and the Hardship Assistance Grant. Find your nearest office at veterans.nd.gov/about/find-a-service-officer. File the property tax credit separately with your local assessor, not with NDDVA.
How the programs stack together#
The federal VA grants pay for construction, so start there, since that money never has to be repaid. North Dakota's loan and grant can cover a gap the federal grants miss, while the tax credit reduces your ongoing bill rather than funding a project. A qualifying veteran can use both alongside the tax credit.
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 veterans.nd.gov and tax.nd.gov in July 2026.
FAQ#
Does North Dakota have a state program that pays for veteran home repairs?#
Not a dedicated one. NDDVA's Veterans Aid Loan and Hardship Assistance Grant can both go toward repairs, and the grant list explicitly covers emergency repairs.
What is the North Dakota Veterans Aid Loan and can it be used for home repairs?#
A state loan of up to $8,000 at 8% fixed interest over up to 48 months. On-time repayment refunds half the interest. Uses aren't itemized, so a veteran can direct it toward repairs.
How much is North Dakota's disabled veterans property tax credit, and do veterans rated unemployable (IU) qualify?#
The credit applies your disability percentage against the first $9,000 of taxable valuation. Extra-schedular IU paying at the 100% rate qualifies for the full credit.
Who helps North Dakota veterans apply for VA housing grants for free?#
Every county has a mandated Veterans Service Officer who assists free with VA Form 26-4555 and NDDVA applications. Find yours at veterans.nd.gov/about/find-a-service-officer.
Find a verified provider near you#
Adapta Home USA's directory lets you search Home Modifications & Remodeling providers in North Dakota 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.