I decide to go to the bank and see if I can assume the mortgage for the house. The banker tells me I am 100 points away from qualifying for a no down payment mortgage. Shit! But she says this is good news. She wants me to rent-to-own for a year at which time I will not need a down payment. And that year will give me time to save up for the legal fees.
I relay this info to the owner of the house, "I am going to talk to my banker, I think there is a way around this." Ok, whatever she wants.
She calls me back yesterday, "Good news, I am going to write a letter saying I am your Aunt and gifting you the down payment."
"But I still need to save for the legal fees."
"Bah! Couple thousand dollars, I will pay the legal fees."
She is starting to freak me out. She is making it so I will pay nothing out of pocket. Too good to be true? Maybe, but I have nothing to lose, so I am going for it.
I just know she will be hit by a bus or something before the papers are ever signed.