Sometimes the cost of adaptations is higher than the Disabled Facilities Grant (DFG) can cover. This is most common with big projects like extensions. If you’re facing a shortfall, there are options to explore.
Pay the balance yourself
You can choose to pay the difference between the grant and the total cost. This might come from savings, a loan, or family contributions.
Preferred schemes
The council will fund the cheapest suitable option. If you want something more, you can agree to a preferred scheme.
- Example: the council approves a stairlift, but you prefer a ground floor extension.
- The grant is based on the cost of the stairlift, and you pay the extra.
Always get written agreement before starting work.
Ask social services
Local social services have duties under care legislation. In some cases, they may contribute to the cost of adaptations, especially if the works prevent the need for residential care or support hospital discharge.
Check your landlord
If you live in social housing, your landlord may help fund adaptations, either directly or by topping up the grant.
Private landlords can also apply for a DFG on behalf of their tenants.
Discretionary help from councils
Some councils have policies to:
- Waive the means test in special cases
- Offer top-up funding above the £30,000 (England) or £36,000 (Wales) limit
- Provide loans or extra grants under the Regulatory Reform Order
Consider moving home
In some cases, moving to a more suitable property is the most cost-effective option. Councils should discuss this with you if major works are impracticable or poor value for money.
Key points to remember
- DFGs have a maximum limit (£30,000 in England, £36,000 in Wales).
- If costs are higher, you may need to contribute or look at other funding.
- Social services, councils, and landlords may help with top-ups.
- Always get written approval before committing to works.
