I found a piece of land for $34,000. It has come at a time when the savings has just been depleted. This was expected in januarary, not July. I have little over 10% for the down. The only other thing I have is two car titles, at a value of $15,000. This dosen't help with the land loan, but can I get a separate loan for the down and closing? Are there any other avenues for help? My wife an I are 1st time home buyers, any advice or ideas would be appreciated.