It is possible that you could obtain a personal loan to pay for mortgage closing costs; however, we do not recommend this approach. Applying for a new personal loan can impact your credit score and debt-to-income ratio which can undermine your ability to qualify for a mortgage. Instead of using a personal loan, we recommend that you consider using a closing cost assistance program. These programs help home buyers pay for all or part of their closing costs. We provide a comprehensive overview of Closing Cost Assistance Programs on FREEandCLEAR. Closing Cost Assistance Programs are typically provided by HUD-approved local housing commissions in conjunction with local lenders. I have provided a link to the HUD web site where you can select your state and find your housing commission to learn more about the programs available to you. Your housing commission may offer additional home buyer assistance programs and you should also ask the lenders you contact for your mortgage about any closing cost assistance programs they offer or recommend.