List available cash such as checking and savings accounts or certificates of deposit near maturity. Will additional cash accumulate during construction? Home buyers typically need cash for loan application fees, the down payment, closing fees, and movein expenses. Consider assets you can turn into cash, such as the equity in a home you already own. Other assets might include a cash gift from a family member, an inheritance, maturing bonds, or the cash value of an insurance policy. If you are a firsttime buyer, you may also use an IRA or 401K loan but consult a tax professional before doing so.