HomeHome ModificationsHow to Pay for Modifications?Home Funding

1.3. Home Funding

How to Pay for It ?
The two largest barriers to assistive technology and related goods and services are lack of information and funding. Hopefully, we've provided you with all the information and resources you'll need to get started on modifying your home to make it more livable. Now the only thing standing in your way is money. Below is a long list of possible avenues of financial assistance to pursue. They were collected from many sources, such as the Illinois Tech Act Project, the Center for Accessible Housing, Administration on Aging, and the AARP, to name a few. These are also organizations that will assist you in your efforts. We hope you'll see something you hadn't thought of before.

Independent Living Centers
These centers provide information and referrals on how to get funding in your area. There are approximately 400 independent living centers around the country. For the name of the one nearest you, contact the National Council on Independent Living Centers at (703) 525-3406 (V); (703) 524-3407 (TDD). Most states have a state independent living council (SILC) that can give you a referral. See the Directory of Centers for Independent Living, http://www.virtualcil.net/cils (Click on your state for the CILs nearest you.)

Federal Sources


Local Government
Inquire of your city, town, or county for special housing programs. Try your alderman or local congressman's office for information on housing repair programs. Programs are granted to low income families and may include kitchen or bathroom modification or ramp installation.

Access Home Modification Program
The Access Home Modification Program provides mortgage loans (up to $10,000) to assist persons with disabilities or who have a family member(s) living in the household with disabilities who are purchasing homes and need to make accessibility modifications. This program provides a deferred payment loan, with no interest or fees, and no repayment until the house is sold, transferred, or the first mortgage is paid off or refinanced. www.phfa.org/programs/singlefamily/ahm.htm

Center for Accessible Housing (CAH)
CAH publishes fact sheets, such as Financing Home Accessibility Modifications, Home Financing for Older People, Benefits of Accessory Unit Housing for Elderly Persons with Disabilities, The Housemate Agreement, and technical packages for using grab bars, universal design, etc. Contact: Center for Accessible Housing at North Carolina State University, (919) 515-3082.

Christmas in April
This is a volunteer project around the country that takes place on the first Saturday in April. Volunteers organize painting parties or make repairs to low income, elderly, and disabled homeowners. Contact Christmas in April USA (try the Internet) for group near you or start your own.

Community Projects
Many organizations organize repair projects for elderly persons or persons with disabilities. Organizations may include your neighborhood association or community groups, churches, synagogues, Lutheran Social Services, Catholic Charities, Little Brothers of the Poor, Jaycees, Agency on Aging, senior centers, building trade unions, Boy Scouts of America, Girl Scouts of America, Kiwanis Clubs, sororities, fraternities, high school volunteerism, YMCA, Knights of Columbus, Rotary Clubs, Lion's Clubs, B'nai B'rith, Masons, or 4H Clubs. Inquire about interest in a community project or see if you can propose one.

Foundations and Donor's Forums
Foundations are nonprofit organizations that support charitable activities to serve the common good. Individuals, families or corporations create them with endowments (donated money). The make grants with the income they earn from investing the endowments and are exempt from federal income tax. Ask the librarian of the main library (not a branch) to show you where to find lists of private foundations.

The Fair Housing Act of 1988 Section 6(a) makes it illegal for landlords to refuse to let tenants make reasonable modifications as to a house or apartment if the tenant is willing to pay for the changes. The tenant must also restore the apartment or house when they leave, if the landlord wants it restored. Often times the added accessibility features makes the unit marketable to more populations and a landlord may be willing to split the costs. New construction of dwellings of four or more units must include wheelchair accessibility through entry ways and bathrooms, reinforced walls for grab bars in the bathroom, and accessible electrical outlets and thermostats.

Private Mortgage and Home Loans

Private Organizations
Certain private organizations will be able to assist with part of the money, so pursuing several sources may cover the bulk of your expenses, usually available for those who meet an organization's particular need-based criteria.

Write a proposal letter describing the type of modifications you need, why you need them, and the costs involved. (Obtain three bids for services in advance so you'll know how much you need.) Possible sources: The American Cancer Society, National Multiple Sclerosis Society, National Muscular Dystrophy Association, and the National United Cerebral Palsy Association. (Local branch offices will not have the resources the national offices do.)

Worker's Compensation and Private Insurance

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