An oscillatory instability mechanism is identified for a horizontal liquid layer with undeformable open surface heated from the air side. Although buoyancy and surface tension gradients are expected to play a stabilizing role in this situation, we show that, acting together, they may lead to the instability of the motionless state of the system. The instability is a consequence of the coupling between internal and surface waves, whose resonant interaction and resulting mode mixing are discussed. Predictions amenable to experimental test are given together with a thorough analytical and numerical study of the problem.