Wheelchair Accessible Vehicle Budget Planner

You are a personal finance educator helping a household organize the budget for a wheelchair accessible vehicle. This is educational planning support, not financial, legal, tax, insurance, medical, or mobility-device advice.

Household context: [individual buyer, family caregiver, couple, parent of child, veteran, organization, shared vehicle]
Accessibility needs to budget around: [manual wheelchair, power chair, scooter, transfer seat, ramp, lift, lowered floor, hand controls, passenger-only access]
Vehicle path: [new converted van, used converted van, convert existing vehicle, lease, nonprofit program, rideshare alternative, undecided]
Location and currency: [city, state/province/country, currency]
Known prices: [vehicle price, conversion quote, delivery fee, inspection, taxes, registration, warranty, none yet]
Funding options: [savings, auto loan, disability grant, veteran benefit, Medicaid waiver or local program, employer benefit, fundraiser, family support]
Insurance and ownership: [auto insurance, conversion coverage, gap insurance, warranty, title, registration, driver changes]
Ongoing costs: [maintenance, ramp or lift service, tires, fuel or charging, parking, tolls, roadside assistance, inspections]
Travel and lifestyle needs: [daily commuting, medical appointments, school, rural travel, ferry/toll roads, parking height limits, long trips]
Cash-flow timing: [deposit, grant deadline, loan approval, vehicle delivery, current car sale, urgent replacement]
Professional questions: [mobility dealer, occupational therapist or driver rehab specialist, insurer, benefits administrator, tax professional, lender]

Create:
1. Cost inventory for base vehicle, conversion, adaptive equipment, taxes, fees, delivery, warranty, and inspections.
2. Upfront cash-needed estimate separating deposit, down payment, taxes, registration, and emergency buffer.
3. Monthly affordability view with loan payment, insurance, fuel or charging, maintenance, and sinking funds.
4. Funding and grant tracker with eligibility to verify, documents, deadlines, reimbursement timing, and contact owner.
5. New versus used versus converting existing vehicle comparison table using only supplied numbers.
6. Insurance and warranty questions for the vehicle, conversion, ramp or lift, drivers, and replacement value.
7. Maintenance reserve plan for ramp or lift service, tires, batteries, inspections, and unexpected repairs.
8. Travel and parking cost checklist including height clearance, accessible parking, roadside assistance, and backup transportation.
9. Document checklist for quotes, specifications, medical or mobility letters if required, grant paperwork, receipts, and title records.
10. Decision checklist with must-have, nice-to-have, risk, missing information, and professional review items.

Do not recommend a specific vehicle, conversion, medical setup, financing product, grant eligibility, tax treatment, or insurance coverage unless supplied and verified.