VA Disability Rating & Homeownership in 2025: Unlocking Your Benefits

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

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.

Be My Neighbour (NMLS ID #1743790) is a veteran-focused VA loan specialist platform that connects you to VA-approved lenders who understand the system—without charging hidden fees.

Marcus, the veteran we mentioned earlier, used Be My Neighbour to purchase a $400,000 home with:

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

✅ Learn more about home loan eligibility at BeMyNeighbor.Mortgage

If you're buying a home, don't waste thousands on real estate agent commissions. reAlpha offers a modern, commission-free way to purchase a home—perfect for veterans who want more buying power and less stress.

• 100% commission-free buyer representation
• Personalized support from licensed agents
• Streamlined digital home search experience
• Veteran-friendly guidance at every step.

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 disability rating is more than a number—it’s a gateway to opportunity. Whether you’re seeking homeownership or long-term wealth-building strategies, make sure you're tapping into every available resource.

You served. Now let your benefits serve you.

Disclosure: Be My Neighbour and reAlpha are affiliated entities offering VA-focused and commission-free services for veterans. No compensation is exchanged for referrals between these entities. All services are offered in compliance with RESPA and other applicable federal regulations.