This paper is concerned with the Rayleigh wave dispersion in an incompressible functionally graded orthotropic half-space loaded by a thin fluid-saturated aeolotropic porous layer under initial stress. Both the layer and half-space have subjected to the incompressible in nature. The particle motion of the Rayleigh type wave is elliptically polarized in the plane, which described by the normal to the surface and the focal point along with wave generation. The dispersion of waves refers typically to frequency dispersion, which means different wavelengths travel at a different velocity of phase. To deal with the analytical solution of displacement components of Rayleigh type waves in a layer over a half-space, we have taken the assistance of different methods like exponential, characteristic polynomial and undetermined coefficients. The dispersion relation has been derived based upon suitable boundary conditions. The finite difference scheme has been introduced to calculate the phase velocity and group velocity of the Rayleigh type waves. We also have derived the stability condition of the finite difference scheme (FDS) for the phase and group velocities. If a wave equation has to travel in the time domain, it is necessary to achieve both accuracy and stability requirements. In such cases, FDS is preferred because of its power, accuracy, reliability, rapidity, and flexibility. The effect of various parameters involved in the model like non-homogeneity, porosity, and internal pre-stress on the propagation of Rayleigh type waves have been studied in detail. Graphical representations for the effects of various parameters on the dispersion equation have been represented. Numerical results demonstrated the accuracy and versatility of the group and phase velocity depending on the stability ratio of the FDS.