Cash Sale vs Contract For Deed

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Good Afternoon BP People!! I've run into and interesting situation and would like some feedback. I put a cash offer on a house yesterday and am expecting a counter offer. Seller is offering CFD but has 2 HEquity Loans on the property. Is there any way, if I went with the CFD she could try to finagle me into paying off loans other than the original Mortgage?? Also, I wonder what percentage of cash I should offer as down payment if I go that route?? Thank you ahead of time!!