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Making Home Modifications Affordable: Low-Interest Government-Funded Loans Now Available

If you’re facing the prospect of building a house addition to accommodate a loved one on disability and Social Security, you’re not alone. Many families find themselves in this situation and wonder if there’s a way to make the process more affordable. The good news is that there are programs and resources available to help cover the cost of home modifications for those who are eligible, based on a report by Seasons on January 01, 2023.


One option is government-funded low-interest loan programs. These programs make it easier to secure financing for home modifications such as building an addition. The loans must be repaid according to the terms of the agreement, but the low-interest rate can make the payments more manageable.

Another option is home improvement grants. These grants offer financial assistance for a single home improvement project without requiring repayment. They’re typically offered to low-income families and individuals with disabilities. This can be a great option for those who don’t want to take on additional debt.


U.S. veterans may also be eligible for additional financial assistance for home modifications. The Department of Veterans Affairs offers several programs that can help cover the cost of home modifications for eligible veterans, according to Seasons.


Nonprofit organizations or charities may provide free labor for home improvements, such as building a wheelchair ramp. They may also provide extended loan services for home modification materials like portable wheelchair ramps, which can be loaned and not returned until the borrower no longer needs it or relocates.


When building a house addition for a loved one on disability and Social Security, it’s important to research all options and consult with a housing counselor for guidance. 

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