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In a county where the loan limit is $417,000, a VA borrower who desires to borrow more than that along with a VA loan will have to have a down payment equal to 25% within the amount over $417,000. A first-rate example is to be if the VA borrower buys an apartment for $700,000 in a county where the loan limit is $417,000, the amount over the limit is $283,000. Therefore, the down payment is 25% of that number or $70,750. With this down payment, the actual loan amount would be $629,250. That figures out to be 90.89% loan to value, while most VA loans have 100% loan to value.
