 We paid $150,000 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 and want to legally transfer the house to our names. The bank says they can't consider the $150,000 as a down payment because there's no contract. They suggested changing the sale price to $150,000 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?"