jigsaw puzzle help needed

[Raju Pothuraju]

Goal - to finance this purchase without a bank.

puzzle piece number 1 - 130k loan (not assumable) that the seller is ok for a subject to

puzzle piece number 2 - seller will not budge for price to be $340k not even closing costs split

puzzle piece number 3 - wants $40k cash for her to seller finance the rest of the 340k

solution 1 - borrow $40 k from private lender? can be challenging with my limited network

Is there another way to make this deal work without a bank finance?