Purchasing a primary residence with insufficient capital to meet conforming limits.

[Andrew Pryor]

Hey yall! Long time reader, now trying to gain some more advice.  I have a large income, great credit score, a down payment, just not enough for 20% down OR not enough down to meet the conforming limit of $766,000.  

I have $80K down payment available right now.  I will have $150,000 total available in 7 months.  The house asking/purchase price is $900,000.  Anyone have any suggestions for creative offers/financing to the seller to get the deal done?  I am going through an agent, so there is buyer and seller agents' commissions involved.