If you are wanting cash at close in order to have money in the bank... "just in case" something goes wrong...you won't get that. If you are buying a house, the lender is expecting you to be able to afford regular maintainance.
The only way you can borrow extra money is if you are buying a distressed house that obviously needs repairs. If you have high credit scores you can get a bank loan for the house and extra money for repairs. Once the repairs are done, they will flip it to a regular mortgage. If your scores are not so great but good enough for a FHA loan, you can get a 203K renovation loan. It is a lot more paper work but worth the time if you're getting a good deal on the house.

No lenders will only approve loans based on appraised value. You may want request for seller concessions which can save you money at closing however included in your home mortgage.
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