70% VA Disability in 2025: Pay, Exemptions & Homeownership Paths

min read

A 70% disability rating from the VA is more than just a compensation number — it can open doors to expanded healthcare, education opportunities, and potential homeownership benefits through the VA loan program. In 2025, a single veteran at 70% earns $1,819.06/month tax-free. Add dependents and your compensation increases substantially.

Key Takeaways:

Veterans with a 70% VA disability rating receive $1,819/month tax-free in 2025 — more with dependents.
Many qualify for higher benefits through TDIU (Total Disability based on Individual Unemployability).
VA loan funding fee exemptions may apply, potentially saving thousands on home purchases.
Homeownership is possible with $0 down and no buyer-side commission costs on some platforms.
State and federal perks span healthcare, education, property tax relief, and more.

2025 VA Compensation at 70%

Veteran only: $1,819.06/month
With spouse: $1,954.06/month
With spouse + child: $2,081.06/month
Payments are tax-free and protected from garnishment (source: VA.gov)

Path to 100% Through TDIU

Veterans who are unable to maintain substantially gainful employment due to service-connected disabilities may qualify for TDIU, which pays at the 100% rate without changing the actual rating. This can increase both compensation and benefit access.

Healthcare, Education & Career Perks

Priority Group 1 VA healthcare (low or no cost)
Free prescriptions and mental health support
DEA (Chapter 35) education benefits for dependents
Vocational rehabilitation (VR&E) for retraining and job support

VA Home Loan Advantage — Funding Fee Exemption

Veterans with a 70% disability rating may be exempt from the VA funding fee — a savings of up to $15,000.

VA Loan Benefits:

$0 down payment required†
No private mortgage insurance (PMI)
Competitive fixed-rate options
Easier qualification criteria than conventional loans

Subject to credit and underwriting approval. Not all applicants will qualify. Interest rates vary. APR will be disclosed with specific loan offers.

Your 70% Rating Is a Powerful Starting Point

A 70% VA disability rating in 2025 is more than just monthly tax-free pay — it's a gateway to a better quality of life. From funding fee exemptions on VA loans to expanded healthcare and education for your family, you have powerful tools at your disposal. Whether you're aiming for 100% benefits through TDIU or ready to explore homeownership with $0 down, you don’t have to go it alone.

Let Be My Neighbour help you unlock the full power of your benefits. And if you’re house-hunting, platforms like reAlpha make buying smarter and commission-free a real possibility.

You’ve served. Now it’s your turn to thrive.

Platforms like reAlpha offer home listings where you don’t have to pay buyer-agent commissions.*

Benefits include:

Transparent pricing
Veteran-focused service
Access to homes that meet VA appraisal guidelines

Work With a VA-Certified Mortgage Be My Neighbour (BMN) helps veterans navigate VA loan benefits and exemptions.

Fast, VA-specific pre-approvals
Assistance with funding fee exemptions
Veteran-led, NMLS #1743790

FAQs

Will the VA disability compensation increase in 2025?‍

Yes. VA disability rates typically increase annually based on the cost-of-living adjustment (COLA), which is tied to inflation. In 2025, veterans with a 70% rating receive $1,819.06/month if single — higher than previous years due to COLA.

Can I go from 70% to 100% VA disability?‍

Absolutely. You can increase your rating through additional claims if your condition worsens or you develop new service-connected conditions. Another path is TDIU (Total Disability based on Individual Unemployability), which allows some veterans to receive 100% pay without a 100% rating.

Is 70% PTSD a permanent VA disability?

Not always. A 70% PTSD rating reflects the severity of your symptoms, but whether it’s permanent depends on your specific case. If the VA believes your condition may improve, they may schedule future evaluations. If your symptoms are chronic and unlikely to improve, the rating may be deemed permanent and total (P&T).

Is it hard to get 100% VA disability?^‍

It can be challenging, but it’s not impossible. A 100% rating requires your conditions to severely impact your ability to function in daily life or work. If you're already at 70% and struggling with employment, applying for TDIU could be a faster way to reach the 100% pay rate.

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