2025 VA Disability Pay Chart & Rates (3.2% COLA) | reAlpha Mortgage

For veterans relying on VA disability compensation, staying informed about 2025 payment updates is essential. This guide breaks down how much you can expect to receive each month, why rates are increasing, and how to take full advantage of your VA benefits—including pathways to homeownership.

• VA disability payments in 2025 range from $171 to $3,737/month, depending on your rating and dependents.
• A 3.2% Cost-of-Living Adjustment (COLA) is projected for 2025.
• You may qualify for more pay with dependents or if your condition worsens.
• VA disability benefits also include housing, healthcare, education, and tax relief.
• VA home loans offer disabled veterans exclusive advantages like $0 down and no PMI.

These figures reflect a projected 3.2% COLA increase and apply to veterans with service-connected disabilities.

‍These are early estimates based on historical COLA trends. The official rates will be published by the VA in late 2024.

The VA uses a structured process to determine your monthly compensation:

Your rating reflects how much your condition impacts your ability to function and work. It’s assigned in 10% increments.

If you have multiple service-connected conditions, the VA applies a formula—not simple addition—to calculate your total rating.

Example: A 60% rating combined with a new 30% disability does not equal 90%.

Veterans with spouses, children, or dependent parents receive higher monthly payments. Be sure to update your dependency status on VA.gov to ensure accuracy.

VA disability compensation is tied to the Social Security Administration's annual Cost-of-Living Adjustment (COLA). This adjustment helps protect your buying power as inflation changes.

Projected COLA for 2025: 3.2%

Recent COLA History:

Final COLA rates are typically confirmed in October, and the VA implements them for payments beginning December 1 each year.

If your condition has worsened or you believe your current rating doesn’t reflect your limitations, you have options:

Submit VA Form 21-526EZ via VA.gov and provide current medical records or provider statements showing your condition has declined.

Choose from one of three appeal paths:

• Higher-Level Review
• Supplemental Claim
• Board Appeal

• PTSD, anxiety, and other mental health disorders
• Chronic back pain, arthritis, or joint damage
• Migraines, sleep apnea, or respiratory issues
• Cardiovascular or neurological decline

A strong medical opinion (e.g., a Nexus Letter) can strengthen your case for an increased rating.

See all your VA benefits.

With your disability rating, you could:

• Skip the down payment
• Pay no PMI
• Lock in low interest
• Waive the funding fee (for most)
• Enjoy assumable mortgage perks

Explore VA loan options.

Absolutely. You'll skip the funding fee, avoid PMI, and unlock lower rates. Over time, that can save you $10,000 or more.

Tap into VA loan benefits.

Your VA disability rating may also unlock access to additional benefits, including:

Specially Adapted Housing (SAH) and Special Home Adaptation (SHA) grants help modify your home for service-connected mobility impairments.

Veterans with service-connected disabilities may qualify for free or low-cost care through the VA healthcare system, including mental health, dental, and specialty services.

Depending on your rating, you may qualify for benefits like:

• Post-9/11 GI Bill
• Veteran Readiness and Employment (VR&E)
• Tuition assistance and job training

Many states offer full or partial property tax exemptions for disabled veterans. These benefits vary, so check with your local tax authority.

VA home loans offer powerful advantages—especially for those with a disability rating.

• No down payment required
• No PMI (private mortgage insurance)
• Competitive interest rates
• Funding fee waived for most disabled veterans
• Assumable loans, which allow another qualified borrower to take over your mortgage

If you’re considering buying, refinancing, or accessing home equity, explore options like the VA cash-out refinance or Interest Rate Reduction Refinance Loan (IRRRL).

Make the Most of Your VA Benefits — And Save Thousands at Closing

You earned your VA benefits. Now it’s time to turn them into real savings on your dream home. With reAlpha Mortgage, you can skip the PMI, waive the funding fee, and access exclusive veteran support — plus unlock up to 75% of your buyer agent’s commission back.

Here’s how it works:

• Get 25% back by using a reAlpha agent
• Add reAlpha Mortgage to reach 50% rebate
• Bundle with reAlpha Title to unlock the full 75%

That’s real cash you can use toward closing costs, inspections, or move-in upgrades. Ready to buy smarter?

👉 Explore your savings with 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

You’ll likely receive a 3.2% boost in your monthly tax-free compensation, depending on your current rating and dependency status.

VA disability checks for 2025 start hitting accounts on the first business day of January. Payments will continue monthly thereafter.

Yes, you can work—unless you're receiving Total Disability based on Individual Unemployability (TDIU), which has income restrictions.

Log in to VA.gov or call 1-800-827-1000 to view your current rating and benefits breakdown.

Submit VA Form 21-526EZ through VA.gov with updated medical records and a nexus letter from your provider.

For expert loan guidance and to maximize your homebuying benefits, reAlpha Mortgage can walk you through your next move.

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