VA Jumbo Loans: The VA Jumbo is simply a VA Mortgage with a loan amount over the national lending limit. As of 1/1/2022, the lending limit is $647,200. Since January 1, 2020 there is no down payment restriction on VA Mortgages that are over the lending limit, but the interest rate may be higher than a VA Mortgage that is at or under the lending limit. Some lenders will have restrictions on how high they will lend with zero down. The veteran will also need their full entitlement to have 100% financing over the lending limit.