Veterans Home Improvement Program
Title I Improvements - Eligible and Ineligible
About VHIP Loan Proceeds
VHIP loan proceeds may be used to pay for eligible repairs or improvements that are not covered by insurance or FEMA claims.
Source: Texas Veterans Land Board - Updated April 2025
Eligible Improvements
A
- • Abutments
- • Acoustical tile
- • Additions to Structures
- • Air conditioning: central
- • Alteration
- • Aluminum panels
- • Appliances (when part of an overall remodeling project that includes substantial changes or upgrades to the rooms in which the appliances are placed)
- • Asphalt siding
- • Attic fans
- • Auditoriums
- • Awnings (aluminum, canvas, plastic, wood)
B
- • Back bars
- • Barns
- • Basements
- • Bathrooms (fixtures & connections)
- • Bathtubs (enclosures)
- • Bins (coal, grain, concrete)
- • Black topping
- • Blinds (venetian, vertical)
- • Blowers (furnace)
- • Boathouses
- • Boat slips
- • Boilers
- • Bookcases (built-in)
- • Brick shingles or siding
- • Built-in kitchen equipment
- • Bulkheads
- • Burglar alarms
- • Burglar bars/decorative bars
- • Burners (furnace, oil, gas)
C
- • Cabinets
- • Canopies
- • Carpet (wall-to-wall)
- • Carports
- • Casements window
- • Ceilings
- • Cellars (storm, wine)
- • Cesspools
- • Chimneys
- • Choir lofts
- • Churches (structure only)
- • Chutes (coal, grain, laundry)
- • Cleaning, steam, before painting
- • Cold storage rooms
- • Coatings (roofing)
- • Commercial buildings
- • Composition (flooring, paneling, shingles, siding)
- • Condominium (Single Family - $25,000 interior improvements or exterior improvements and are part of the property unit)
- • Converting (structural)
- • Co-op, cooperative (inside improvements only - maximum loan amount is $7,500)
- • Cottages
- • Curbing (single family only)
D
- • Decks/Gazebos (not for hot tub use or around a swimming pool)
- • Docks
- • Door chimes
- • Doors (storm, fire, screen)
- • Downspouts
- • Drain fields (septic)
- • Drilling: wells (must have previously had water supply)
- • Drive-in (structure only, not trade fixtures or equipment)
- • Driveways
- • Ducts
- • Duplex (lot and both dwellings owned by same person = multifamily loan limits, $24,000)
E
- • Electric garage door opener (hard wire)
- • Electric light fixtures, line, poles
- • Electric light systems
- • Elevators
- • Escalators
- • Exhaust fans
- • Exterior finishing work
F
- • Fans (permanently attached to structure, non-window)
- • Fences (chain link, brick, wood, iron)
- • Finishing work
- • Fire escapes
- • Fireplaces (indoor)
- • Floodlights (non-display)
- • Flooring
- • Flour mills, sheds
- • Flues
- • Foundations
- • Fronts (commercial buildings or residential structures)
- • Furnaces: coal, floor, gas, oil
G
- • Garages
- • Garbage disposal units
- • Gas heating systems
- • Gazebos (on permanent foundation)
- • Generators (permanently installed)
- • Glass tinting
- • Grates (furnace)
- • Guard rails
- • Guttering
H
- • Heat control devices
I
- • Incinerators
- • Insulation
- • Interior work
- • Ironing board (permanently installed)
J
- • Jacuzzi (inside bathroom)
- • Jalousies
L
- • Lattice work
- • Laundry chutes
- • Laundry tubs
- • Lightning rods
M
- • Meters (electric, water, gas)
- • Molding
P
- • Painting
- • Paneling
- • Papering
- • Partitions
- • Patios
- • Pavers
- • Paving
- • Piers (not for common use)
- • Pillars
- • Plastering
- • Plumbing
- • Pole barns (permanent foundation)
- • Porches
- • Pumps
R
- • Radiators (permanently installed - covers not eligible)
- • Railings
- • Registers (heat)
- • Reservoirs (not for irrigation)
- • Resurfacing
- • Retaining walls
- • Roof coating
- • Roofing
S
- • Safes/vaults (permanently affixed)
- • Sandblasting
- • Sanding
- • Sashes
- • Screening
- • Seawalls (non-floating)
- • Security system (hard wired into electric system)
- • Sewerage systems
- • Septic tank (replacement of existing)
- • Shingles
- • Shower doors
- • Shutters
- • Sidewalks (private)
- • Siding (cement, ceramic tile, brick, wood, aluminum)
- • Sills
- • Silo
- • Sinks
- • Slating
- • Smokestack
- • Solar Panel
- • Solar and wind energy systems
- • Sunspace/solarium (permanently installed as a sunroom, family room)
- • Spa (permanently installed inside the structure)
- • Sprinkler systems (fire)
- • Stairs
- • Stalls
- • Steam cleaning
- • Steeples
- • Stokers
- • Stone siding
- • Storm cellars
- • Storm panels
- • Stuccoing
- • Studding
- • Structural changes
T
- • Tanks: fuel (residential Property only, not commercial); milk, septic, storage, water
- • Tiles (ceiling, ceramic, cement permanently affixed; plastic, acoustical)
- • Termite control (with replacement of damage)
- • Trees (diseased or damaged and hazard to structure on property)
- • Trestles
- • Troughs
U
- • Utility buildings (sheds permanent masonry or concrete foundation)
V
- • Vaults
- • Venetian/Mini blinds
- • Ventilation hoods
- • Ventilation systems
- • Vents
- • Verandas
W
- • Wall heaters
- • Wallboards
- • Walls
- • Warehouses
- • Washtubs
- • Water conditioners, permanently installed in plumbing system (purifiers, softeners, sterilizers)
- • Water coolers (permanent)
- • Water heaters
- • Water tower
- • Water wells (must have structure on property and previously had water supply)
- • Waterproofing
- • Weather stripping
- • Wells (together with pumping and piping equipment)
- • Special Energy System (e.g., solar, wind; eligible only for furnishing power to residential structure)
- • Windows (screen, storm, thermal)
- • Wiring: electric
- • Wood shingles, (siding, paneling)
Ineligible Improvements
A
- • Air conditioning (placed in a window and not permanently affixed to the property)
- • Asbestos siding
B
- • Barbecue pits
- • Barn cleaners
- • Bathhouses
C
- • Cabana rooms
- • Clothes lines and poles
- • Commonly owned elements of condominiums, apartments or cooperatives
D
- • Debt consolidation
- • Deck around swimming pool
- • Demolition
- • Dishwasher (portable) must be part of the sink)
- • Docks (floating)
- • Drills (equipment type)
- • Dumbwaiters
E
- • Equipment (industrially; farm or dairy)
- • Exterior hot tubs, saunas, spas, or whirlpool baths
F
- • Fire extinguishers
- • Flower boxes
- • Food mixers
- • Freezer (stand-alone)
G
- • Grandstands
- • Greenhouses (except commercial)
H
- • Hangars (airplane)
- • Hay dryers
I
- • Irrigation systems
K
- • Kennels
L
- • Landscaping
- • Lathes
M
- • Moving structures (except if move is on the same lot)
O
- • Orchards
- • Outdoor fireplaces
- • Ovens (must be built-in)
P
- • Penthouses: (must be an existing penthouse for improvements to be eligible)
- • Photomurals
S
- • Satellite dishes
- • Swimming pools (or any repairs in connection with)
- • Swimming pool enclosures
T
- • Tree surgery/removal (eligible if tree is diseased and hazard to structure)
V
- • Valence boards
W
- • Waterproofing (pumping or injecting any substance in the earth adjacent to or beneath the foundation or basement floor)
For the most current information, official program requirements, and to apply, please visit the Texas Veterans Land Board website.