Loan limit conflicting lender information, who’s right?

Good morning, I’m receiving conflicting information and I’m hoping someone smarter than myself can educate me on VA home loans. I live in a high cost area so my max entitlement is a little higher, I bought a multi family home in 2019 using my va loan. The total loan amount was 536k (entitlement used was 131k). I’d like to keep that property and buy a single family home in a better school district as my wife is due in September. I was pre approved by Navy federal to buy an 800k house. They told me I would get a 600k mortgage and put 200k down. However, a local mortgage lender pre approved me for an 800k home and said I would only have to put 50k down because the down payment for the first 600k of the loan would be covered by my entitlement then I would only have to put 25% of the 200k difference down to meet the VA’s requirements. I told this to Navy federal’s mortgage specialist and he told me that wasn’t possible and my mortgage broker didn’t know what he was talking about. Navy federal said the va wouldn’t do that and the only way I could purchase a 800k house with a VA loan would be if I covered the entire price that’s over the 600k. I’d like to figure out which one is right before I decide to go with either of them, their rates are pretty similar, obviously I’d prefer to only put 50k down instead of 200k but if that’s not possible I’d like to know now. So if anyone can let me know which lender is right I’d appreciate it. Thanks for reading.