Seller Financing deal - Need help

[Lance Card]

I've found a property with a value of 250K. Owner says they'll seller finance 65K and we'd  need to get a loan for the rest. I'm still researching rents in the area but my first question is: In a situation like this would a bank consider my financed 65K my down payment and they'd fund the difference or would they still require 20%? Thank you in advance.