On a first home purchase, can you borrow extra money for upgrades?
if you can go full doc, yes you can go for a rehab loan
You can also use an energy efficient mortgage to finance things like double pane windows, heating systems, air conditioning, insulation, etc- anything that lowers your monthly energy bills more than the increase in mortgage payment, and you don’t have to qualify for the extra money. This would be financing above and beyond the 100%.
Yes, there are two answers to this question. First, is this a new construction? If it is, the builder can always include upgrades into your sale price. Second, If it’s an existing home, you can always get rehab loans for your upgrades.