There are many types of services required when you buy a home and each of them charge costs, only a part of which come from the lender. Lender costs include any points you may pay, plus fees for appraisal, credit report, processing, documents, floor certification, and others. In addition, there will be escrow or settlement fees, and title insurance, plus some miscellaneous fees from both the title company and the escrow or settlement agent. Depending on your choices, you may also have fees for property inspections, homeowner's warranty, pest inspection,and homeowner's association related fees. Prepaid expenses include items such as mortgage insurance, homeowner's insurance, property taxes, and pre-paid interest.
Many buyers obtain additional funds as a gift from a family member.
Another source is that you may be able to borrow against your 401K plan or retirement plan. You can use the sale of personal property as a source of funds, but you must document it carefully.