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You can withdraw the contribution as an "excess" contribution.  You will also have to withdraw the earnings attributable to the contribution, and the earnings will be taxable on your 2025 return.  The paperwork will be easier if you do the withdrawal before December 31, even though the deadline for the withdrawal is April 15, 2026.   Or, you can recharacterize the contribution as a traditional IRA contribution.  To do this, just contact the trustee or broker who holds your Roth IRA.  If you don't already have a traditional IRA, you will need to open one (the broker will do this for you).  This will be a non-deductible contribution (you can't take a tax deduction because of your income) so it must be reported on a form 8606 which Turbotax will add to your tax return.   The benefits and complications of making a non-deductible contribution to a traditional IRA are a bit complicated to explain.  Do you already have funds in a traditional IRA (at this or any other broker)?  We can explain your options if you want.  

Yes, mostly.     Generally, capital improvements (permanent changes to your home) are not deductible, but add to the cost basis of the home and may reduce your capital gains when you sell.  However, some improvements made for medical necessity do not actually increase the value of the home.  In that case, they are allowable as medical expense deductions, subject to the usual 7.5% limitation.  The changes you mention would qualify for a deduction based on the instructions in publication 502. If you deduct them as medical expenses, you can't also use them as cost basis adjustments when (if) you sell.