Loan for down payment

[Rosalynn Greene]

My husband and I are currently looking at having a duplex built. The builder wants 10% down on the $490,000 overall cost in order to break ground. So our down payment to the builder would be $49,000 and we simply don't have the cash. So we want to get a personal loan for the down payment to start building and then once the duplex is completed 6 months down the road we will finance the property with a VA loan. Also, our down payment will be credited back to us once we close on The property. Should I get a personal loan or not for the down payment?