VA Disability Housing Calculator

Specialized for disabled veterans. See your VA funding fee waiver savings (10%+ rating = $0 fee), SAH and HISA adaptive housing grant eligibility, state property tax exemptions, and how your tax-free disability compensation boosts your mortgage qualification power.

VA Disability Rating

Loan Amount

First VA Loan Use?

Down Payment

Annual Property Tax

VA Housing Benefit Summary

70% disability rating — VA funding fee WAIVED. You save $7,525 at closing.

Funding Fee Savings

$7,525

Monthly VA Compensation

$1,759/mo

SAH Grant Eligibility

Not eligible (need 100%)

Property Tax Exemption Est.

~$2,100/yr

Advanced

Funding Fee Savings, Adaptive Housing Grants

Fee waiver at each rating, SAH/SHA/HISA grant details, state property tax exemptions

The VA funding fee is charged on all VA loans UNLESS the veteran has a service-connected disability rating of 10% or higher. Here is what the fee waiver saves at a $350,000 loan amount.

Rating	Fee Waived?	Fee (0% down, 1st use)	Savings on $350K Loan
0%	No	2.1% = $7,525	—
10%	Yes — Waived	$0	$7,525
20%	Yes — Waived	$0	$7,525
30%	Yes — Waived	$0	$7,525
50%	Yes — Waived	$0	$7,525
70% (yours)	Yes — Waived	$0	$7,525
100%	Yes — Waived	$0	$7,525

The VA funding fee on a first-use, 0% down loan is 2.15% of the loan amount. On a $350,000 loan that is $7,525. Veterans with a 10%+ disability rating are completely exempt — this benefit alone makes VA disability rating important to establish before buying.

Pro

Combined Benefits, Disability Income Qualification & Adaptive Housing

Total annual benefit value, tax-free income grossup, what grants cover

The total annual value of VA disability benefits when combined with a VA home loan. This is what your 70% rating is worth in housing benefits.

Mortgage Rate

Benefit	Your Value	Annual
VA Disability Compensation	$1,759/mo	$21,108/yr
Funding Fee Waiver (one-time)	$7,525	$7,525 at closing
Property Tax Exemption Est.	$175/mo	$2,100/yr
$0 Down Payment Benefit	No PMI required	$146/mo PMI avoided
Total Annual Benefit		$24,958/yr

How to Use This VA Disability Housing Calculator

Select your VA disability rating and enter your loan amount, property tax, and whether this is your first VA loan use. The calculator immediately shows your funding fee waiver status, estimated monthly VA compensation, adaptive housing grant eligibility, and property tax exemption estimate.

Quick Tab

The most impactful benefit to check is the funding fee waiver. At 10% or higher disability rating, the VA funding fee is completely waived — a savings of $6,450-$11,550 on a $300,000-$500,000 loan. This is the single most valuable financial benefit for disabled veterans using the VA loan.

Advanced: Grants & State Tax Exemptions

The SAH grant (up to $101,754 in 2025) and HISA grant (up to $7,256 for all VA healthcare recipients) can fund significant home modifications or contribute toward a purchase. The state tax exemption table shows which states offer partial or full property tax relief and what disability rating is required.

Pro: Combined Benefits & Income Qualification

The combined benefits table totals the annual value of all VA housing benefits for your rating. The income qualification section explains how VA disability compensation is grossed up for mortgage qualification — making your tax-free income count more than equivalent taxable wages when qualifying for a loan.

VA Disability Housing Benefit Formula

Funding Fee (0% down, first use) = Loan × 2.15%
Funding Fee if 10%+ disability = $0 (waived)

Example on $350,000 loan:
Without waiver: $350,000 × 2.15% = $7,525 fee
With 10%+ disability: $0 — save $7,525

SAH Grant (2025): Up to $101,754
SHA Grant (2025): Up to $20,387
HISA Grant (2025): Up to $7,256 (all veterans)

VA Comp Gross-Up for DTI:
Tax-Free Comp ÷ (1 - Tax Bracket) = Qualifying Income
Example: $3,737/mo at 100% ÷ 0.78 = $4,791/mo qualifying
Annual equivalent: $57,500/yr in qualifying income

VA disability compensation is paid tax-free every month and counts as qualifying income for VA and conventional mortgages. Because it is not taxed, lenders gross it up by dividing by one minus your tax bracket to find the equivalent pre-tax income — giving disabled veterans significantly more buying power than the raw numbers suggest.

Example: Marcus, 70% Disabled Veteran, Texas

Buying a $380,000 home in Texas with 0% down

Disability Rating	70%
VA Compensation	$1,759/mo (tax-free)
Funding Fee	$0 (waived at 70%)
Funding Fee Savings	$8,170 (vs 2.15% without waiver)
Texas Property Tax	$6,080/yr at 1.6%
TX Property Tax Exemption	100% waived at 100% P&T (partial at 70%)
Compensation Gross-Up	$1,759 ÷ 0.78 = $2,255/mo qualifying
Total Annual Housing Benefit Value	~$29,100/yr + $8,170 one-time

Marcus applies his $8,170 funding fee savings toward closing costs, reducing his out-of-pocket at closing. His tax-free income qualifies him for a larger loan than his gross salary alone would support. In Texas, upgrading to 100% P&T rating would eliminate $6,080/year in property taxes.

Frequently Asked Questions

You need a service-connected disability rating of 10% or higher to have the VA funding fee waived entirely. The waiver applies regardless of your down payment amount or whether it is your first or subsequent VA loan use. If you have a disability claim pending at the time of closing, you may be able to get a refund of the funding fee after your rating is approved — ask your lender about this process.

Yes. VA loan eligibility is based on your service history, not on being retired. Most veterans who served on active duty for 90 or more consecutive days during wartime, or 181 days during peacetime, are eligible. National Guard and Reserve members typically need 6 years of service. Your disability rating affects the funding fee (waiver at 10%+) but is separate from your basic VA loan eligibility.

Apply through the VA website at va.gov/housing-assistance or contact your VA regional loan center. You will need your Certificate of Eligibility and documentation of your disability rating. The VA will send an inspector to assess the modifications needed and approve the work. SAH and SHA grants can be used up to 6 times, up to the lifetime maximum amount, so you can use a portion now and more later if you move or need additional modifications.

Yes. VA disability compensation is considered highly stable income by mortgage lenders — it continues for life as long as the disability persists, and it increases with annual cost-of-living adjustments. Unlike employment income, it cannot be laid off or eliminated. VA lenders and most conventional lenders count it as qualifying income and gross it up by your tax bracket to find the equivalent pre-tax value for DTI calculation purposes.

Yes. Surviving spouses of veterans who died in service or from service-connected disabilities may be eligible for VA loan benefits through a Survivor's Certificate of Eligibility. Surviving spouses can use the VA loan with $0 down and the funding fee waived. They may also qualify for Dependency and Indemnity Compensation (DIC) which counts as qualifying income, and for property tax exemptions in many states. Contact the VA or a VA-approved lender for specifics on your situation.