70% VA Disability in 2025: Pay, Perks & Home Loan Secrets | reAlpha Mortgage

A 70% disability rating from the VA is more than just a compensation number — it can open doors to expanded healthcare, education opportunities, and potential homeownership benefits through the VA loan program. In 2025, a single veteran at 70% earns $1,819.06/month tax-free. Add dependents and your compensation increases substantially.

• Veterans with a 70% VA disability rating receive $1,819/month tax-free in 2025 — more with dependents.
• Many qualify for higher benefits through TDIU (Total Disability based on Individual Unemployability).
• VA loan funding fee exemptions may apply, potentially saving thousands on home purchases.
• Homeownership is possible with $0 down and no buyer-side commission costs on some platforms.
• State and federal perks span healthcare, education, property tax relief, and more.

If you’re rated 70% disabled by the VA, you're in a powerful position to secure a home loan with unbeatable terms.

• No VA funding fee – Save up to $15,000
• $0 down payment – No need to drain savings
• No PMI – More savings monthly
• Easier approval – Credit-flexible underwriting

Explore VA home loan benefits or pre-qualify.

Yes. If you’re exempt from the funding fee, your total lifetime savings can exceed $20,000, especially in high-cost areas. Learn more about VA loan vs conventional loan.

TDIU Pros:

• Easier to qualify based on employability
• Pays 100% rate

TDIU Cons:

• Doesn’t count as a true 100% rating
• May limit other benefit eligibility

• Veteran only: $1,819.06/month
• With spouse: $1,954.06/month
• With spouse + child: $2,081.06/month Payments are tax-free and protected from garnishment (source: VA.gov)

Veterans who are unable to maintain substantially gainful employment due to service-connected disabilities may qualify for TDIU, which pays at the 100% rate without changing the actual rating. This can increase both compensation and benefit access.

• Priority Group 1 VA healthcare (low or no cost)
• Free prescriptions and mental health support
• DEA (Chapter 35) education benefits for dependents
• Vocational rehabilitation (VR&E) for retraining and job support

Veterans with a 70% disability rating may be exempt from the VA funding fee — a savings of up to $15,000.

VA Loan Benefits:

• $0 down payment required†
• No private mortgage insurance (PMI)
• Competitive fixed-rate options
• Easier qualification criteria than conventional loans

Subject to credit and underwriting approval. Not all applicants will qualify. Interest rates vary. APR will be disclosed with specific loan terms through reAlpha Mortgage.

Find the Perfect Mortgage for Your Dream Home with reAlpha Mortgage.

Compare options, calculate payments, and get expert guidance - all in one place.

Check if you qualify

Buying your dream home doesn’t have to drain your savings. With reAlpha Mortgage, you can save thousands at closing with up to 75% of your buyer agent’s commission rebated back to you. Here’s how:

• Get 25% just by using a reAlpha agent

• Bundle your loan with reAlpha Mortgage to reach 50%

• Add title services to unlock the full 75% rebate

That’s real money back — to fund your inspections, moving costs, or home upgrades.

Explore how much you can save with your VA benefits at reAlpha Mortgage.

Yes, VA disability rates rose in 2025 due to the Cost-of-Living Adjustment (COLA). A 70% rating now earns you $1,819.06/month if single — more with dependents.

Absolutely. You can:

• File new claims if conditions worsen
• Apply for TDIU if you're unemployable
• Combine multiple ratings for a higher total

TDIU gives 100% pay even without a 100% rating.

Not always. The VA may schedule reevaluations if improvement is possible. If your PTSD is chronic and unlikely to improve, your rating may be deemed Permanent & Total (P&T).

It’s challenging but very possible. To qualify:

• You must show severe limitations on daily life or work
• OR prove you’re unemployable (TDIU)

Getting VA-accredited help makes a big difference.

• $0 down with a VA loan
• No funding fee (saves thousands)
• No PMI, flexible credit

Find the Perfect Mortgage for Your Dream Home with reAlpha Mortgage.

Compare options, calculate payments, and get expert guidance - all in one place.

Check if you qualify