Originally posted by @Jim K.

So as you know already 70% of the conservative appraisal of 450k is only 315k ( about 45 k less than you owe taking into account that you have paid the mortgage for the past year).

@Noah FarleyZillow displays them.

@Kim BaylessSee if you can get a businessline of credit instead some lenders will go as high as 50 k .

@Jim K.

For example, the broker name and fair housing logo must be included, and have display guidelines.

Yikes @Mona K.! 

Paid Already by or on Behalf of Borrower at Closing $82,304.75 01 Deposit $1,000.00 02 Loan Amount $81,304.75 03Existing Loan(s) Assumed or Taken Subject to 0405 Seller Credit Other Credits 06 07 Adjustments 08 09 10 11 Adjustments for Items Unpaid by Seller 12 City/Town Taxes 13 County Taxes 14 Assessments 15 16 17 CALCULATIONTotal Due from Borrower at Closing (K)$108,556.47Total Paid Already by or on Behalf of Borrower at Closing (L) -$82,304.75Cash to Close From To Borrower x$26,251.72CLOSING DISCLOSUREM.

You can also get a 203(K) loan that rolls in rehab costs. 

@Courtney M.Lot's of great suggestions on the forum:Seller carry/finance: Seller may benefit from deferral of gainsHELOC: if for investment, tax-deductible even post reform401(k)Loan: up to the lesser of: (a) 50k and (b) 50% of account value.