February 3, 2026
7 minutes
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.
Key Takeaways:
- A VA disability rating as low as 10% can waive certain VA loan fees and open doors to financial benefits.
- Ratings of 70%+ may qualify veterans for housing grants like SAH and SHA.
- The VA loan program allows $0 down home purchases - even at lower disability ratings.
Understanding the Financial Value of Your Disability Rating
Each disability rating level provides access to different tiers of financial and housing benefits. Here's a general breakdown:
| Rating | Monthly Compensation |
Housing Benefits |
VA Funding Fee Exemption | Wealth Potential |
|---|---|---|---|---|
| 10% | $171.23 | Limited | No | Moderate |
| 30% | $524.31 | Moderate | No | Medium |
| 50% | $1,075.16 | Enhanced | No | High |
| 70% | $1,716.28 | High (loan/grants) | Yes | High |
| 100% | $3,737.85 | Maximum | Yes | Very High |
Rates sourced from the VA Disability Compensation Rates 2025.
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.
Key Benefits by Rating
30% Disability Rating:
- Additional compensation for eligible dependents (spouse, children)
50% Disability Rating:
- Full VA healthcare benefits
- Priority for claims processing
70% Disability Rating:
- Eligibility for Individual Unemployability (IU)
- Access to Specially Adapted Housing (SAH) and Special Housing Adaptation (SHA) grants
100% Disability Rating:
- Property tax exemptions (vary by state)
- Full exemption from VA funding fee
- Education stipends
- Priority health care and veteran programs
Housing Benefits & the VA Home Loan Advantage
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.
How to Maximize Your Benefits with the Right VA Lender?
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
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.
Earn a substantial commission rebate with reAlpha
When buying a home, don't leave money on the table. reAlpha offers a powerful buyer rebate on the agent’s commission, helping veterans boost their purchasing power and reduce out-of-pocket costs.
Why reAlpha?
- A substantial 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
FAQs: What Veterans Ask Most
Can I get a VA loan if my disability rating is under 100%?
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.
Do VA ratings expire or change?
Ratings can be re-evaluated. However, they often become "protected" after 5-20 years, depending on the situation.
Can my spouse use my rating for VA benefits?
Yes. Surviving spouses of veterans with 100% permanent disability may qualify for VA loan benefits.
When do I qualify for housing grants?
Typically at 70%+ if the disability involves mobility or independence limitations.
Make Your Disability Benefits Work Harder - Save Thousands at Closing
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
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.
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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.