A finite-difference approach of a P-SV modeling scheme is applied to compute seismic wave propagation in heterogeneous isotropic media, including fluid-filled boreholes. The discrete formulation of the equation of motion requires the definition of the material parameters at the grid points of the numerical mesh. The grid spacing is chosen as coarse as possible with respect to the accurate representation of the shortest wavelength. If we assume frequencies lower than 250 Hz then the grid spacing is usually chosen in the range of a few meters. One encounters difficulties because of the large-scale difference between the grid spacing and the size of the borehole, usually several centimeters. These difficulties can be overcome by a grid refinement technique. This technique provides the construction of grids with varying grid spacing. The grid spacing in the vicinity of the borehole is chosen such that the borehole is properly represented. An example demonstrates the accuracy of this technique by comparisons with other methods. Unlike many analytical methods, the FD method can handle complex subsurface geometries. Further numerical examples of walk-away VSP configurations show tube wave propagation within fluid-filled boreholes of realistic diameters.