My entil chrged was 123,960. Va says my entil is 0, I want to pursch a hm that is 479, and max loan is 417 is this doable?

I'm not completely sure what you are saying, do you have your COE?

Was $124k the loan amount or entitlement charged? The amount of home you would qualify for is the amount of entitlement you have left plus your down payment multiplied by 4. A local mortgage professional can help you with the calculations.

If you are willing to put down 25%, you can obtain a VA loan up to the limits in the county you are purchasing in, even if your entitlement is 0. I am doing a loan with this scenario now where the remaining entitlement wasn't enough to do a second tier VA loan, but the borrowers are adding enough down payment that it works. Here is the VA's take directly from their website: "Remaining Entitlement -- Veterans who had a VA loan before may still have "remaining entitlement" to use for another VA loan. Most lenders require that a combination of the guaranty entitlement and any cash down payment must equal at least 25 percent of the reasonable value or sales price of the property, whichever is less. Thus, for example, $23,500 remaining entitlement would probably meet a lender's minimum guaranty requirement for a no-down payment loan to buy a property valued at and selling for $94,000. You could also combine a down payment with the remaining entitlement for a larger loan amount." I hop that helps. Short sale and credit are two more separate issues, but as long as you qualify for those guidelines, the entitlement shouldn't be an issue if you find the right lender willing to work with you.

Did you have a foreclosure on a previous VA loan? Did you have a previous VA loan that you let a non Vet assume?