 as a down payment me to show a close that because already been transferred to the owner reduce the old with the owners going to receive it can show but you have a contract that says this and you can have two contracts called dual contracts that's fraud you can have one you show the bank in one that's a real deal you show what you do it put down a hundred fifty the money's already been transferred to them like it like it was a earnest money deposit and you can do this properly in aboveboard