July 31, 2025
8 minutes
If you’re rated 100% disabled, your monthly tax-free payments are just the beginning. VA disability compensation doesn’t just cover bills-it can unlock powerful benefits that help you own a home, build equity, and secure long-term stability for your family.
What Is VA Disability Compensation?
VA compensation is a tax-free monthly payment provided to veterans who suffer from service-connected disabilities. These range from physical injuries to mental health conditions like PTSD.
Key Facts:
- A 100% disability rating = $3,831.30/month (2025 base rate)
- Additional benefits available for dependents
Heads up: This income can be used to qualify for a VA home loan. And if you’re 100% disabled? You skip major fees other buyers pay.
How does VA Compensation connect to Home Loan Benefits?
If you receive VA disability compensation, especially at the 100% level, you unlock some major homeownership perks through the VA loan program:
VA Loan Benefits for 100% Disabled Veterans
- No VA funding fee (saves 1.4% to 3.6% of the loan amount)
- $0 down payment required
- No private mortgage insurance (PMI)
- Easier income qualification (VA disability counts as stable income)
- Possible property tax exemptions depending on the state
Real Talk: Most traditional buyers pay thousands upfront. You? With a 100% rating, you skip it all.
Get Pre-Qualified and Save Up to 1.5% at Closing with reAlpha
Save up to 1.5% at closing when you combine real estate and mortgage services with reAlpha.
Does VA Disability Count As Income for Loans?
Yes-lenders accept VA compensation as stable, tax-free income. It helps you qualify for mortgage approvals more easily, even if your work income is limited or inconsistent.
Your Questions, Answered
What qualifies as a service-connected disability?
Injuries or illnesses caused or worsened by your time on active duty. These include:
- Hearing loss, back injuries, PTSD
- Amputations, TBI, chronic conditions
The VA assigns a disability rating from 0% to 100%. The higher your rating, the higher your monthly compensation.
How much is 100% VA disability pay in 2025?
Base monthly rate: $3,831.30 for a single veteran. Rates increase with dependents.
See the full VA disability pay chart
What home loan benefits come with VA disability compensation?
When you receive VA comp and apply for a VA loan:
- You avoid loan fees others must pay
- Your disability pay counts toward loan income requirements
- You gain access to lower interest rates and no PMI
Commission-Free Home Buying with reAlpha
If you're buying a home, don't waste thousands on real estate agent commissions. reAlpha offers a modern, commission-free way to purchase a home-perfect for veterans who want more buying power and less stress.
Why reAlpha?
- 100% commission-free buyer representation
- Personalized support from licensed agents
- Streamlined digital home search experience
- Veteran-friendly guidance at every step.
Veterans Can Save Up to 1.5% at Closing with reAlpha
Save up to 1.5% on your purchase price by using reAlpha Realty and Mortgage together.
VA Compensation + VA Loan vs. Traditional Buyer
| Feature | You (100% Disabled Vet) | Traditional Buyer |
|---|---|---|
| VA Loan Funding Fee | $0 | 1.4% – 3.6% |
| Down Payment | $0 | 3% – 20% |
| Real Estate Investment Fees | 0% with reAlpha | 5% – 6% |
| Monthly Income Requirement | Flexible (VA Benefits) | Strict |
| Property Tax Relief (in some states) | Yes | No |
Your VA Benefits: More Than Monthly Pay
VA compensation isn’t just a lifeline. It’s a launchpad.
With the right support, that check can mean:
- A mortgage-free home
- Tax savings and fee exemptions
- Real estate ownership and passive income
Think of your VA benefits as a master key. With it, you unlock a home, a future, and the freedom you fought for.
FAQs
What happens when a veteran is 100% disabled?
You receive full monthly compensation and may access VA home loan perks and property tax relief.
Does VA disability count as income for a mortgage?
Yes. It qualifies as a steady, reliable income with most VA-approved lenders.
Are 100% disabled veterans eligible for VA home loans?
Yes-and they skip the VA funding fee entirely.
Can VA comp help me get approved for a mortgage?
Absolutely. Many veterans use their compensation to meet loan eligibility.
What other benefits do 100% disabled veterans get?
- Priority VA healthcare
- Commissary and exchange access
- Education support for dependents
- State-level housing, tax, and license perks
Final Thoughts: Use Compensation to Claim What You Earned
Buying a home is a big decision - and having the right information puts you ahead. But the real advantage comes from pairing smart research with a smarter way to buy.
When you use a reAlpha real estate company, you can be eligible to receive up to 1% of the home purchase price back as a credit at closing. Add reAlpha Mortgage, and that rebate can increase to up to 1.5% back, helping offset closing costs and keep more money in your pocket when it matters most.
The rebate is simple, transparent, and applied directly at closing - no complicated hoops, no delayed payouts. Just real savings tied to using a fully integrated homebuying experience.
See how much you could save:
Check your eligibility
Explore homes that fit your budget today.
Your next move could come with thousands back at closing.
Estimate your savings → Rebate Calculator
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Article by
Rocky Billore is a mortgage industry leader and Chief Sales Officer with over two decades of experience across residential and commercial lending. Since entering the industry in 2004, he has been directly involved in funding more than $1.4 billion in loans. A recognized expert in VA and government lending, Rocky combines deep program knowledge with a data driven, relationship-first leadership style. His work focuses on building scalable sales organizations, developing high performing teams, and aligning technology with real world lending outcomes to improve the homeownership experience.