VA Disability Rating & Homeownership in 2025: Unlocking Your Benefits | reAlpha Mortgage

After returning home, many veterans rated 70% disabled discover that their VA disability rating does far more than offer monthly compensation. It can unlock homeownership, eliminate thousands in upfront fees, and serve as a foundation for building lasting financial security.

If you're a veteran with any rating—from 10% to 100%—you may be eligible for powerful benefits that remain widely underutilized.

1. A VA disability rating as low as 10% can waive certain VA loan fees and open doors to financial benefits.
2. Ratings of 70%+ may qualify veterans for housing grants like SAH and SHA.
3. The VA loan program allows $0 down home purchases—even at lower disability ratings.

Each disability rating level provides access to different tiers of financial and housing benefits. Here's a general breakdown:

Rates sourced from the VA Disability Compensation Rates 2025.

• Additional compensation for eligible dependents (spouse, children)

• Full VA healthcare benefits
• Priority for claims processing

• Eligibility for Individual Unemployability (IU)
• Access to Specially Adapted Housing (SAH) and Special Housing Adaptation (SHA) grants

• Property tax exemptions (vary by state)
• Full exemption from VA funding fee
• Education stipends
• Priority health care and veteran programs

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Many veterans don’t realize how impactful their VA disability rating can be when purchasing a home. A rating of 10% or higher may unlock perks such as:

• $0 down payment VA home loan
• No private mortgage insurance (PMI)
• Easier qualification standards
• Potential waiver of VA funding fee at 10%+

Despite this, over 60% of eligible veterans never apply for a VA home loan, according to VA.gov. That’s often due to confusion, misinformation, or working with lenders unfamiliar with the VA loan process.

reAlpha Mortgage (NMLS ID #1743790) specializes in veteran-first VA loan solutions, connecting you with approved lenders who understand your benefits — without unnecessary junk fees or red tape.

Marcus, the veteran we mentioned earlier, used reAlpha Mortgage to purchase a $400,000 home with:

• $0 down payment
• No VA funding fee
• No lender junk fees

✅ Learn more about your VA home loan eligibility at reAlpha Mortgage

When buying a home, don't leave money on the table. reAlpha offers a powerful buyer rebate of up to 75% of the agent's commission — helping veterans boost their purchase power and cut out-of-pocket costs.

• Up to 75% rebate on the buyer agent’s commission
• Support from licensed, VA-savvy professionals
• Personalized, digital-first home search experience
• Veteran-first guidance, tools, and mortgage expertise

Yes. Even a 10% rating can lead to partial funding fee waivers. VA loan approval is primarily based on income, credit, and DTI—not disability percentage.

Ratings can be re-evaluated. However, they often become "protected" after 5-20 years, depending on the situation.

Yes. Surviving spouses of veterans with 100% permanent disability may qualify for VA loan benefits.

Typically at 70%+ if the disability involves mobility or independence limitations.

Your VA benefits can do more than secure a $0-down home — they can put cash back in your pocket. With reAlpha Mortgage, veterans can unlock up to 75% of the buyer agent’s commission as a rebate. That’s real money you can use toward inspections, repairs, or moving expenses.

Here’s the breakdown:

🏡 25% rebate for working with a reAlpha agent

🔑 Add a reAlpha Mortgage to unlock 50%

📄 Bundle reAlpha Title and unlock the full 75%

You served. Now let your benefits serve you — and your bottom line.

Explore your savings today at reAlpha Mortgage.

Disclosure: reAlpha and reAlpha Mortgage are affiliated entities offering VA-focused home buying and lending services. No compensation is exchanged for referrals between these entities. All services comply with RESPA and applicable federal regulations.

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