It happens all the time, and it is fully legitimate. A veteran with full entitlement has had no VA loan limit since January 2020, so zero down at $800,000-plus is normal territory. The Blue Water Navy Vietnam Veterans Act removed VA loan limits for full-entitlement borrowers effective January 1, 2020. VA guarantees 25% of the loan amount with no down payment required, at whatever loan size a lender will approve. County loan limits still apply only to veterans with partial entitlement, typically because of an existing VA loan or a prior default. What sets the ceiling now is lender appetite. Each investor sets its own maximum for zero-down VA lending. Many go well into seven figures, and some specialized investors go higher still for well-qualified borrowers. Treat any specific cap as that lender's own policy, since caps change. The practical point: if a lender balks at your loan amount, that is their internal limit, and the VA program itself is fine with the loan. Shop a lender or broker who works comfortably at that size, and confirm current lender maximums for your specific price point.