That is a faulty assumption. Some lenders may impose a limit on what can be paid on behalf of the "borrower" and this depends on the particular loan product selected. When you really start to research the subject of closing costs you will find that almost anyone other than you, can pay a giant portion of your closing costs, if not all of them.
If you need more information on this subject just leave me a comment and I will get back to you. I have over 35 years of experience in the lending and real estate business.