July 31, 2025
2 minutes
Navigating life on a fixed income can be tough-especially for disabled veterans. In 2025, VA disability payments are increasing, giving millions of veterans a slight but meaningful boost. More importantly, that tax-free monthly payment can open the door to homeownership, wealth-building, and long-term stability.
Key Takeaways
- VA disability pay will increase by an estimated 2.8% in 2025, aligned with the Social Security COLA.
- Disability income counts as qualifying income for VA home loans.
- Veterans receiving disability pay are exempt from the VA funding fee-saving thousands.
What’s Changing with VA Disability Pay in 2025?
VA disability compensation rates are projected to increase by 2.8% in 2025, reflecting the forecasted Social Security cost-of-living adjustment (COLA). This annual adjustment helps offset inflation and rising costs.
Estimated 2025 VA Disability Compensation Rates
| Disability Rating | 2024 Monthly Pay | 2025 Projected Pay | Monthly Increase |
|---|---|---|---|
| 10% | $171.23 | $176.02 | +$4.79 |
| 30% | $524.31 | $539.00 | +$14.69 |
| 50% | $1,075.16 | $1,105.27 | +$30.11 |
| 70% | $1,716.28 | $1,764.36 | +$48.08 |
| 100% | $3,737.85 | $3,842.52 | +$104.67 |
Source: VA.gov Compensation Rates
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Save up to 1.5% at closing when you combine real estate and mortgage services with reAlpha.
Your Disability Pay Can Do More Than Pay Bills
Many veterans mistakenly believe they can’t use their disability income to qualify for a mortgage. The truth: VA disability pay is valid, stable, tax-free income that improves your eligibility for a VA home loan.
Home Loan Benefits for Disabled Veterans
- No VA funding fee-a savings of thousands.
- No down payment is required on VA-approved homes.
- Competitive interest rates.
- Flexibility in credit score requirements.
Learn how reAlpha Mortgage helps veterans navigate VA home loans with zero down, no funding fees, and expert guidance tailored to your benefits. NMLS #1743790 Real Estate Investing with Disability Benefits Your disability check doesn’t have to stop at covering bills. You can leverage it to create wealth through real estate investing.
reAlpha: Real Estate Investing for Veterans
reAlpha enables you to:
- Buy homes.
- Avoid commissions and traditional fees.
- Receive expert support and guidance.
Pro Tip: Use your VA loan to buy a multi-unit property, live in one unit, and rent out the others. This creates passive income that may cover or even exceed your monthly mortgage.
FAQs
Will VA disability pay increase in 2025?
Yes. It’s expected to increase by 2.8% based on the Social Security COLA.
What is the 2025 pay for 100% disabled veterans?
The estimated monthly amount is $3,842.52. Final numbers are confirmed each October.
Can I use VA disability income to qualify for a home loan?
Yes. It is eligible income under VA guidelines.
How do I estimate my 2025 disability pay?
Multiply your 2024 rate by 1.028 (2.8% increase).
What benefits come with a 70% VA rating?
Higher monthly compensation, funding fee exemption, possible property tax relief, and increased health care eligibility.
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.
Build Your Future with What You’ve 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
It’s the smartest way to turn your VA benefits into long-term wealth. Ready to start? Get pre-approved with reAlpha Mortgage and claim your rebate stack today.
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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.