If your own bank account isn't large enough, you have several options.  For example:

• Receive a tax-free gift from your parents, or a relative documented by a “gift letter” stating no repayment is required (thus your debt burden in not increased).  Some lenders require you to use some of your own money in addition to the gift.
• Borrow against a life insurance policy.
• Borrow against a company pension plan.
• Cash in a retirement savings plan (even though you may have to pay a penalty for early withdrawal).
• Ask for a cash payment from your employer instead of next year’s raises.
• Obtain an advance on a future inheritance.
• Use your own business as collateral.
• Team up with friends, relatives or investors as partners in return for equity in your home.  (You can, if you like, buy them out later.)