Commerical Lending Bumping Up the Down Payment at the end

Well, today was interesting!

Closing on my first deal and a few hours before signing the loan docs, I get a call from the lender that they can't do the deal with 20% down now, it will have to be 25%! Which equals additional $32K!! (my loan is for $640K) I was heated! With all the credits and everything, it will end up being additional $22K out of pocket.

So is this typical?

Their reasoning was because the current rent roll came in and one tenant was evicted because of that 1 tenant, it through the numbers off....

Is there a clause you can put in your contract doing the Escrow that the seller would be responsible for anything like that?

Thanks!