My co-worker borrowed funds to hold them on deposit. The funds were verified so she could qualify for her mortgage. It was easy to get the loan with no credit check because she agreed to just hold...
You should contact the lender and make arangments if you are short on a payment, they may be able to offer alternatives that will not put you in default.
If you do not have a down payment, then you should reconsider buying a home. Equity provides a cushion against the changes of value in homes--should you end up selling, the money comes back to you....