Advice please

My mother is trying to buy her first home. She is a widow and is also on disability. I'm helping her to clean up her credit. She has 4 bad items on her credit, 3 of which are paid judgments that won't come off for another 5 years. I am helping her dispute the last item. Her monthly payments are around $220 whereas her balance is $5k. She had also filed bankruptcy a few years back. Now that she had applied for a loan, the problem is that she did not anticipate the closing costs being so much. She is trying to sell things to help. However, as the date approaches she is concerned she won't have the money needed. She will have to pay extra if she delays the closing. She is thinking she may need to get a loan for the remainder of the closing costs. What advice would you give to her?