<prompt> Human: Hi Reddit, this might be a bit all over the place, but Ill try to explain the best I can.I am a 29 year old male. I am living with my wife and my parents in a two stories townhouse owned by my aunt. She is willing to sell the house to me for 260K current market value for the townhouse is over 300K.My annual income is 33K and my wife is 17K. We have only 10K in our savings account. But my parents have some savings back home, and they are willing to provide up to 100K as down payment for us. I have asked two banks so far, both banks required at least 20 down payment. Here are the terms:Bank A is a commercial bank which main office is located in Taiwan. Their 15-year adjustable rate for a 150K loan is 4.75, plus 1 points and other fees totaling about 5 of the loan fee. They do not ask many questions where the down payment money comes from, as long as you have the money. Bank B is a large U.S. bank. Their 15-year fixed rate is 2.79, plus 1.5 points and other fees totaling about 6 of the loan fee. This bank needs a written statement for all cash payments. I personally prefer fixed rate over adjustable rate. However, because the money for down payment is foreign and all cash, I am afraid the bank might notify IRS for the large cash deposits. What should I do? Please Help!  <response>: Would you buy a different 260k house, if it was being sold by someone else? Because if not, you really shouldnt be buying this one. 