@Pat Reilly   You need to be talking to an attorney who handles Real estate closings because without a mortgage, your loan is bear axx naked unsecured.

If I need to close sooner I tap my unsecured line of credit they gave me. 

What I chose is to just borrow unsecured for 3-4% in Hong Kong.There are many more moving parts.

I saved most of that, I have a small 10k loan at 8.5% interest rate that I got unsecured from a credit union.

b/c with a 680 score, or with a co-signer you probaly can get an unsecured line of credit. 

Most of the risk in this approach is shared by the lender and the intermediary who must have absolute faith in each other.The monetization loan proceeds are thus the collateral for your unsecured installment sale to the intermediary.

To answer you question, you can't use funds from an unsecured loan (which is what a personal loan is) towards any part of the loan - down payment or closing cost.

Besides, you'll need the cash.Try to obtain a Personal Line of Credit (unsecured) of at least $25K.

After about 3 months, your friend will be able to apply for an unsecured card.

That's unsecured loans and not applicable to mortgages to be used as a down payment.