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In a county cash loan limit is $417,000, a VA borrower who would like to borrow more than that with a VA loan will an increased level of down payment equal to 25% from the amount over $417,000. An instance would be if the VA borrower buys a spot for $700,000 in a county location that the loan limit is $417,000, the amount over the limit is $283,000. Therefore, the deposit is 25% of that number or $70,750. The following down payment, the actual loan amount would be $629,250. That figures in order to be fifth theres 89.89% loan to value, while most VA loans have 100% loan to value.