<prompt> Human: in regards to buying a house:Is the 20 down payment set by the bank or the seller? In other words, if a seller for whatever reason were to waive the 20 down payment and request just 80 of FMV for a home, is that really up to him?  <response>: A seller is not just going to give you 20 equity in a home for free.Youve posted three times today asking about ways to either avoid a down payment, avoid getting a mortgage in your name, or acquiring a house through your father and taking out a mortgage.Please, go educate yourself on some very basic terminology when it comes to purchasing a home. You will do yourself and everyone here a favor.You cannot just waive a downpayment. No lender is going to give you free money, equity, or anything to your benefit. 