Where are you getting your download from, and which file are you looking to download, I only use Kali as ‘bare metal’ ie installed directly on hard drive, have no experience of using the VM. I would advise caution about using the lates version, Kali 2020 as quite a few issues with it. I am running it on a seperate drive before I commit to using it to replace my drive running Kali 2019.

Regards
Arthur