First FHA Loan! Loan too small so apr has to go up?

[Sam Moore]

So I just got off the phone with my broker and she mentioned that after my down payment the loan looks to be too small. She said that the loan will have to have a higher apr. She mentioned to get a higher loan and pay what you want to pay for the property and use whats left for closing costs and repairs. What are some other ideas to maximize savings?