Is there a loan which provides for cash in hand at closing?

Yes, a cash out refinance. Or a home equity loan.

There is no such thing as a cash out purchase, if that is what the question is. There are however Down Payment Assistance Programs available.

With good credit you can obtain unsecured lines of credit. Then buy home with minimal down and lender pays closing costs. This gives you the cash in hand you desire

More info needed to address your specific loan scenario, but in general.. Yes, but only available on a Cash our refinance.. if you are purchasing, you cannot get cash back.. For Cash our refinance transactions, your maximum loan to value is 85% for FHA, and 80% for conventional.. if you have a VA loan now, you can go 100% with some lenders.. If you're thinking about purchasing a home that needs repairs and need cash back to complete them.. then you can do a HomeStyle renovation loan or a 203K rehab loan.. both will allow you to finance repairs, but there are restrictions.. the cash does not go into your hands.. they funds are distributed by the lender when the contractors submit their invoices.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

With good credit you can buy a home with zero money out of pocket, however, cash in hand with home mortgages went away since the mortgage meltdown in 2008. There is a way to get unsecured lines of credit up to 150,000 if you need cash in hand. Heathloan@gmail.com