HELP!!!! How can we get a home improvement loan with no out of pocket money?

we are looking to buy a home that needs repair but we are doing 100% financing and need extra money that doesn't cut into our budget!!!HELP!!!! How can we get a home improvement loan with no out of pocket money?
SOUNDS LIKE YOU CAN'T QUITE YET AFFORD A

HOME, WHAT HAPPENS IF THE WATER HEATER

OR ANY APPLIANCES DIE. YOUR STRAPPING YOURSELF TO HAVE A ROOF OVER YOUR HEAD

AND YOU WON'T SEE ANY ';CREDIT'; FOR ABOUT

10 YEARS INTO THE LOAN SO A HOME EQUITY LINE

OF CREDIT IS OUT OF THE QUESTION.

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