Polling my all lenders who deal with VA loans

[Evans Wright]

I am asking for help to try and understand the numbers for my client but here is the scenario:

Purchase Price = $528999

Purchase Price x .25 = $132249

Conforming county limit $647200 x .25 = $161800

VA amount already used = $61034

Amount left to use  = $100766

Purchase price x.25 - Amount left to use. = $31483

So at this point one lender is saying that the client will only need to pay 25% of the $31483 as a down payment and another lender is saying they will need to pay all $31483 as a down payment should the client not sell their current home before closing which was purchased using VA loan. So my question is who is right or are they both right but use different underwriting for VA? If anyone could share the formula they use or any experience on this matter then it would much appreciated. Thanks!