Lump sum cash towards mortgage

[Jessica Armour]

If I owe 137k on my mortgage and I have 100k cash to put towards it, can the remaining balance be negotiated? Want to sell to family member for 100k cash and then move. My sister got into a car accident unfortunately and is receiving a lump sum of cash. If we sell her the house for 100k, will the mortgage lender take that amount instead of 137k? Are they negotiable when it comes to large cash amounts being put towards the loan or are we still responsible for the remaining 37k?