First loan app but no funds

[Henderson Silva]

so i implied for my first loan. It looks like i would be approved for a 170 thousand loan, but i need to have the 6000 in funds for a down payment. I dont have it and they won't accept friend's gift, it has to be a family member for the fha. The closing cost can be covered by the seller so i only need the 6000 and I'm stuck. I will be eligible for a VA loan 6 months from now, but i wanted to use the fha loan first so when i get the second property i could use the va loan and avoid the 20 to 25% down payment. Here is the email that i just got from navy federal>>>>>>>>>>>>>>>>>>>>

If you can obtain the $6,000 in funds from a family member, then I will update your application with that information and then send it for a pre-approval decision with a revised purchase price of $170,000. Also, could you please provide an expected end date for your service in the reserves?

If you do expect to be able to proceed with this application, then please plan to provide the items listed below to expedite the loan process:

1. Most recent pay stub(s) showing at least 30 days of year-to-date earnings
2. Most recent month end bank statement(s) and/or retirement account statements (all consecutive pages) showing assets to cover down payment and closing costs
3. W2s for 2013 and 2014
4. Legible copy of driver license and social security card

I am also attaching the following forms that you will need to complete and return ASAP:

5. 4506T (request for tax transcripts)
6. SSA-89 (Social Security verification)
7. Borrower Signature Authorization




Please, sign and return the documents

What do you guys think? Try to save the money within the next 3 months and apply again or wait and use the va loan? 

I really wanted my fha first plan to work.