Sometimes the amount of cash needed to close a sale comes as a shock to the buyer. Taxes, recording fees, insurance premiums, pro-rated interest, escrow deposits and other expenses can easily reach into the thousands of dollars.

Rather than reduce the down payment to pay these costs, many homebuyers have other sources of funds they might not think of using.

Here are seven to consider:

Lenders like these best because they do not have to be repaid. Miss Manners may object, but this would be a good time to ask for cash in lieu of a birthday or wedding present.

Ask the seller to pay some of the closing costs. You may pay more for the home, but you will have more cash to use for down payment than if you use part of your savings for settlement expenses.

Some lenders are willing to wrap the closing costs into the loan total, but will charge you a higher interest rate for the loan. You may be able to refinance for a lower rate later.

Some people have sold assets like an extra car, land, or stocks to raise the extra cash for closing.

Borrowers who meet moderate-income guidelines may be eligible for state or local loans or grants to help first-time home buyers.

Many companies have housing-assistance programs available through the Human Resources department. Some firms will allow an employee to borrow against a year-end bonus.

You may be able to take a loan out against your retirement account, life insurance or other restricted savings. You pay the interest to yourself. But be sure to repay what you borrow, since some programs have hefty fines and tax consequences if you don't.