As previously mentioned there are a few creative loan options, that you may qualify for, such as the FHA 203K loan but other than for repairs or work performed by a contractor you may be able to use the funds to purchase kitchen or laundry appliances.
If you are purchasing in one of the smaller communities surrounding Fort Wayne, that qualify for USDA financing you may be able to borrow at zero down payment (or sometimes up to 102% of the purchase price). Then use the cash you had put aside for your down payment to buy the other items you want for your home.
Contact me for more suggestions. I have an extensive 26 years of local real estate experience.
Ken Richardson Realty Company
Office: (260) 422-1888
Cell: (260) 413-6058
Visit my website: http://www.kenrichardsonrealty.com
1st Class Hoosier Realty, Inc.
A mortgage is intended for the purchase of a property and not to purchase personal items as you mentioned.
You can get an amount for more than the appraised with 203K loan as mentioned by Kevin. However, 203 K loan is for renovation or rehab loan.
A loan officer should give you an advice on this arena.
My advice is to contact a reputable mortgage lender in your area and qualify with them before you go house hunting -