I doubt there is a loan program around right now that will lend over 100% of the homes value on a home purchase. You can sometimes get them on refi's but they are usually loans that are attached to some type of construction or major improvements.
Value is determined two ways:
In a purchase, the Purchase price or the appraised value- whichever is LESS.
In a refinance- the appraised value.
If this is new construction, the home is probably worth alot more now than when you purchased it. You should have a lot of equity.
Right now, prices are not going up as much as they were, so if this is existing construction, you may have to wait a few months until you have enough equity to pay off the debt.
If you have cash in the bank, try to pay off that debt and get a second mortgage instead of putting that additional money as a down payment.
You can also wait until you close your loan and refinance with a second mortgage paying off your debt- provided there is enough equity in the house.
Sorry to burst your bubble, but let me show you from a lenders perspective.
You have $25,000 in Credit Cards and the average interest rate is probably 15% or greater. You are buying a house that the value is $540K, you want them to lend you $565K for a house they know is only worth $540- at an interest rate of about 6%- less than half of what you are paying on the credit cards now.
If you were to default on the loan, you get to take all the furniture, clothes, handbags, etc that you paid for using the credit cards, however they can only reposess the home that is worth $540K. If they sell it at auction for the full price of $540 (which is doubtful) they would be at a loss after the Realtor takes the standartd 6% commission (approx $32K). That leaves the bank with getting $508K for the house at best, before fees.
This is obviously not a favorable investment for them.