{"id":6502,"date":"2017-07-28T06:32:46","date_gmt":"2017-07-28T10:32:46","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=6502"},"modified":"2020-07-13T22:29:01","modified_gmt":"2020-07-13T22:29:01","slug":"va-jumbo-loan-down-payment","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/va-jumbo-loan-down-payment\/","title":{"rendered":"VA Jumbo Loan Down Payment Solution You Probably Did Not Know"},"content":{"rendered":"<p>VA loans may actually be the best home loan in the USA!\u00a0 Heck, even the world possibly!\u00a0 Although most <a href=\"http:\/\/teammovemortgage.com\/va-loan\/\">VA loans <\/a>are used for a no down payment purchase, it is also a very beneficial solution to buy a higher priced\u00a0home.\u00a0 Each county in the U.S. has a <a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/06\/12\/va-loan-limits\/\">VA loan limit<\/a>.\u00a0 The good news is that VA will still offer this great loan while exceeding these county limits.\u00a0 This is called a VA jumbo loan.\u00a0 On these loans,\u00a0a VA jumbo loan down payment is required and must be calculated.\u00a0 So let&#8217;s discuss the benefits of a VA jumbo loan and a little known trick for obtaining the down payment.<\/p>\n<h2><strong>VA Jumbo Loan Down Payment Option<img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-6506\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2017\/07\/southport-home-300x226.png\" alt=\"va jumbo loan down payment\" width=\"300\" height=\"226\" \/><\/strong><\/h2>\n<p>A VA jumbo loan is tough to beat for qualifying buyers in the luxury home market!\u00a0 The <a href=\"https:\/\/www.va.gov\/\">Veteran&#8217;s Administration<\/a> follows the Fannie Mae conforming loan size limits for each county.\u00a0 So just like conforming loans, when the limit is exceeded it goes into the jumbo arena.\u00a0 Although, <a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/06\/20\/va-jumbo-loans-nc-sc\/\">VA jumbo loans <\/a>are different and it is more complicated for the buyer to figure a down payment.\u00a0 The good thing is a seasoned VA loan officer is able to determine down payments using a formula specified by VA.\u00a0 There are several wonderful benefits of these loans for Veteran&#8217;s, <a href=\"http:\/\/www.military.com\/\">service members<\/a>, or qualified surviving spouses.<\/p>\n<h2><strong>Potential VA Jumbo Benefits<\/strong><\/h2>\n<ul>\n<li>Up to <a href=\"http:\/\/teammovemortgage.com\/jumbo\/\">$1,000,000 loan amount<\/a> allowed<\/li>\n<li>No monthly PMI &#8211; Keeps payment lower in comparison to other low down payment jumbo loans<\/li>\n<li>Often lower down payment than traditional jumbo loans<\/li>\n<li>May be more flexible on credit &amp; debt ratios than traditional jumbo loans<\/li>\n<li><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/06\/11\/closing-costs-sales-concessions\/\">Liberal seller paid costs and concessions<\/a>.<\/li>\n<\/ul>\n<p>[av_button_big label=&#8217;Learn How to Have 2 VA Loans at Once&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/blog\/2017\/07\/27\/va-loan-down-payment\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;]<br \/>\nIf a down payment is required, use these down payment sources for your bonus entitlement<br \/>\n[\/av_button_big]<\/p>\n<p>But there is one more potential benefit of a VA jumbo loan that most do not know!\u00a0 VA jumbo loans require a down <img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-6507\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2017\/07\/benefits-Copy-300x191.jpg\" alt=\"va jumbo loan down payment\" width=\"300\" height=\"191\" \/>payment.\u00a0 Although, it could be a small percentage down.\u00a0\u00a0The down payment\u00a0depends on the borrower&#8217;s available entitlement and purchase price of the new <a href=\"http:\/\/www.realtor.com\/\">home<\/a>.\u00a0 Good News!\u00a0 <a href=\"https:\/\/www.va.gov\/\">VA<\/a> will allow for another source to cover all or a portion of the down payment.\u00a0 This amount could actually cover up to 4% of the sales price.\u00a0 Imagine if your VA purchase required a 3% down payment, then this solution could cover it for you.\u00a0 Additionally, the seller could pay all of the buyer&#8217;s customary closing costs.\u00a0 How about that for some benefits?<\/p>\n<p style=\"text-align: center;\"><strong>Lacking a VA loan down payment?\u00a0 Call us for\u00a0a possible\u00a0solution!<\/strong><\/p>\n<h2>Ideas for VA Jumbo Loan Down Payment<\/h2>\n<p>There are a lot of ways to come up with down payment and a VA jumbo loan down payment is no different.\u00a0 A few ideas include the following:<\/p>\n<ul>\n<li>Of course, checking and savings accounts<\/li>\n<li>Borrow against an asset such as a car, CD, retirement account<\/li>\n<li>Sale of another home<\/li>\n<li>Home equity line of credit advance on another property<\/li>\n<li>Gift funds<\/li>\n<li>Income bonuses or commissions<\/li>\n<\/ul>\n<p>As you have probably heard, buying a home may be your biggest financial decision of your life.\u00a0 So contact us for the right solution to match your needs and goals!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>VA loans may actually be the best home loan in the USA!\u00a0 Heck, even the world possibly!\u00a0 Although most VA loans are used for a no down payment purchase, it is also a very beneficial solution to buy a higher priced\u00a0home.\u00a0 Each county in the U.S. has a VA loan limit.\u00a0 The good news is [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":8828,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33,34,17,40,48],"tags":[1038,1039,394],"class_list":["post-6502","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-frequently-asked-questions","category-jumbo","category-products","category-tips","category-va-loans","tag-va-down-payment","tag-va-jumbo-loan-down-payment","tag-va-jumbo-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>VA Jumbo Loan Down Payment Solution You Probably Did Not Know About<\/title>\n<meta name=\"description\" content=\"VA jumbo loan down payment is often much less than conventional jumbo loan requirements. The beauty is this little known way of coming up with down payment!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teammovemortgage.com\/blog\/va-jumbo-loan-down-payment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"VA Jumbo Loan Down Payment Solution You Probably Did Not Know About\" \/>\n<meta property=\"og:description\" content=\"VA jumbo loan down payment is often much less than conventional jumbo loan requirements. The beauty is this little known way of coming up with down payment!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/teammovemortgage.com\/blog\/va-jumbo-loan-down-payment\/\" \/>\n<meta property=\"og:site_name\" content=\"Team Move Mortgage Blog\" \/>\n<meta property=\"article:published_time\" content=\"2017-07-28T10:32:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-13T22:29:01+00:00\" \/>\n<meta name=\"author\" content=\"Russell Smith\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Russell Smith\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/va-jumbo-loan-down-payment\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/va-jumbo-loan-down-payment\/\"},\"author\":{\"name\":\"Russell Smith\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#\/schema\/person\/fbcb9952207d77d752ba9074b82fad37\"},\"headline\":\"VA Jumbo Loan Down Payment Solution You Probably Did Not Know\",\"datePublished\":\"2017-07-28T10:32:46+00:00\",\"dateModified\":\"2020-07-13T22:29:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/va-jumbo-loan-down-payment\/\"},\"wordCount\":576,\"publisher\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/va-jumbo-loan-down-payment\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"va down payment\",\"va jumbo loan down payment\",\"VA jumbo loans\"],\"articleSection\":[\"Frequently Asked Questions\",\"Jumbo\",\"Products\",\"Tips\",\"VA Loans\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/va-jumbo-loan-down-payment\/\",\"url\":\"https:\/\/teammovemortgage.com\/blog\/va-jumbo-loan-down-payment\/\",\"name\":\"VA Jumbo Loan Down Payment Solution You Probably Did Not Know About\",\"isPartOf\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/va-jumbo-loan-down-payment\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/va-jumbo-loan-down-payment\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2017-07-28T10:32:46+00:00\",\"dateModified\":\"2020-07-13T22:29:01+00:00\",\"description\":\"VA jumbo loan down payment is often much less than conventional jumbo loan requirements. 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