Unfortunately, a gift is just that and underwriters will not accept repayment after close. Some lenders will however allow a owner carry back second with financing, depending on your credit score. The best method is to use equity based down payment assistance. This is used by contracting for a higher amount and gifting the difference through a 3rd party not for profit. Almost all lenders accept this process. To top it off, it beats the heck outta looking for "sneaky" solutions. :o)

If you need help, just visit my web site. Look under purchase and then links. You will find a short cut to a Newsong (buyers-assistance). They can help you do what you need done.
Related link: Fairmont Funding