<prompt> Human: Hello I am in the process of buying a house from an owner with a bank loan and the person selling the home wanted a higher down payment.My limited understanding of buyingselling houses tells me that the bank pays the owner in full and then we make monthly payments to the bank.I do not understand why the owner would want a higher down payment if he is getting paid in full for the cost of the home regardless of my down payment. I am assuming that my understanding of this process of wrong.Can someone please explain how the owner gets paid when he sells the house? Thanks.  <response>: All I could really think of is that its less likely that the loan process will fall apart if you have a higher down payment. More likely the sale will go through. 