You can use funds from your savings, 401K or a family member can GIFT you the funds.
You can not borrow your closing cost or down payment. If you get a GIFT the person giving you the gift will have to write a gift letter stating the funds are a gift, and that they do not expect to be repaid.
Your credit history will be a factor in getting loan approval.
I suggest you go to HUD.GOV on this websit you can get valuable info on the home loan and buying process. You should do some research of your own before you contact a lender.
Best of Luck to You!
Kawain Payne, Realtor
Marc Jablon, The Jablon Team
RE/MAX Complete Solutions