Home Purchase Deposit Alternative

You've met with a lender, you've been shopping for a home, and now you've found one you'd like to buy.  It's a buyer's market in your area so you've made a written offer, but it's below asking price.  The seller seems willing to accept your price, but is acting nervous that your deposit isn't higher.  You don't feel you can afford a higher deposit.  What should you do?  Give the buyer your lender's contact information (call the lender and let him or her know you're doing this) and suggest that the buyer check with the lender on your ability to get a loan.  Try to focus the seller's attention on your ability to get the necessary loan and how quickly the transaction can go through.  This would mitigate the fact that you'll be removing the home from the market without much of a penalty if you decide to "walk."