If you don't have enough cash to pay the closing costs, you can often get the closing costs added to the amount of the loan. For example, if the loan amount is for $150,000, and the closing costs are $4500, you'd add the closing costs to the loan amount so you'd actually be borrowing $154,500 total. This is handy if you're short on cash after making your down payment.

You need two things to be able to roll in your closing costs like this.  First, you have to qualify for the bigger loan.  The bank probably won't have a problem with loaning you a few thousand extra dollars extra, but they might.

The second thing is that the new loan amount can't exceed what's called the Loan-To-Value ratio (LTV), which is the amount of the loan compared to the to the value of the house, based on the appraisal. In simple terms, let's say the house is worth $100,000, and the bank will loan up to a 95% LTV, meaning they'll loan you up to $95,000. If your credit isn't so good then the bank might only loan up to an 80% LTV, meaning they'll loan you only $80,000.