VA Rating Chart (2026): Percentages, Pay & Add-Ons

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.

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• 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

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

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Save up to 1.5% at closing when you combine real estate and mortgage services with reAlpha.

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When buying a home, don't leave money on the table. reAlpha offers a powerful buyer Cashback on the agent’s commission, helping veterans boost their purchasing power and reduce out-of-pocket costs.

• A substantial Cashback 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