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I am sorry for this dilemma. But not sure I understand your specific question. Are you asking if you can demand the lender allow you to borrow the entire amount (0$ down)?
And your question?Sorry....I do not understand the question? Are you asking if you can require the lender to approve the loan??
I understand...but I do not understand the underlying question...
Are you asking if you can require the lender to approve the loan so you get $0 down?
You will need to find a different lender. The VA guarantee is for the lender...it protects the lender but does NOT require the lender to make the loan.
Please let me know if you have more questions. I am happy to help if I can. Otherwise, please rate the answer so I may get credit for my work.