Clause to Protect Buyers Money!

[Tammy Christensen]

Purchasing Property for $85,000. Down payment of $25,000, then $5,000 per month for 12 months. The Seller is giving keys to BUYER of  property, however the DEED/TITLE doesn't get transferred to BUYER til after the final payment. The SELLER says no matter what there is no refunds on any of the money under any circumstances.  What can the BUYER do to protect their money, from any unforeseen circumstances??