Buying a pre-foreclosure, legal advice please

[Isaac Black]

I am a home buyer and I found a house that was going into foreclosure. We have a signed contract with the seller but the issue is that the house is apparently set to sell at auction on the 16th of this month. Being that closing takes 30 days there is not enough time to get closing done before the 16th. The home is in Missouri and this will be my first house. There is a reinstatement fee of 17k but I only have 13k on hand and the seller is completely broke. I have offered 145k where as the remaining note on the house is for 135k with the reinstatement fee figured in. I have spoken with his bank about the situation by providing the contract as well as the proof of funds from my lender. What is there that I can do to make this happen? I have worked very hard negotiating with both the bank and the seller to come to the terms I am at and view this as a deal that wont happen very often in the real estate game.