 So obviously... He put in $150K. Would he have to get that back and then put it back in to make it official? Well, you could just show it on a closing statement as a down payment. You just show it on a closing statement because it's already been transferred to the owner. Reduce what the owner is going to receive. It can show... But you have to have a contract that says this. And you can't have two contracts. It's called dual contracts. That's fraud.