2nd Mortgage Share

We just finished our house last Friday. We ended up with less money than we had hoped for closure, because the costs are so high. We are due to our new family home is 10 August and the final is higher than we had planned to close! But we are at about $ 4,000 in closing costs and shorten the new house. It is better to get a mortgage or roll at the second summit of the first? You do not know how it works. Thanks. I would prefer to run in the first mortgage. A second additional costs and privileges interest rates would be higher. The only program I am aware that in the closing costs on a sales role is the Federal Republic of rural housing programs. There may be some first implosion of the subprime market, but lenders have tightened considerably.