 we paid a hundred and fifty thousand dollars up front when we made the deal and we've been making the monthly mortgage payments since last year recently we've reconsidered the deal in want to legally transfer the house to our names the bank says they can't consider the hundred fifty k as a down payment because there's no contract they should suggested changing the sale price to a hundred fifty k instead is this a bad idea for us if we sell in the future will potential buyers be confused about a low purchase price compared to the house's value