If you are wondering how the bank would figure out that the owner is giving you the 25% down for the loan it will be because they are going to want to see the funds in your account before closing. The odds are you will not make it that far because you will need to show where your 25% down is on your application for the loan. The money for a down payment, on almost all loans, needs to be seasoned for 90 Days or more. This will depend if this is an investment or primary residence but it sounds like an investment.
Sep 29, 2009