Owner Financing and Bank Lending Questions

[Alfredo Alfaro]

In the case of a seller willing to owner finance a portion of the sell and you get a bank to finance the rest how does this get worked out at escrow? 

I know generally speaking the bank pays a portion and the owner agrees to finance the rest and escrow helps setup one easy payment or you make one to the bank and one to owner for financing. 

I can't help but think that the bank would want to see that the amount remaining, owner financing portion, is being paid or put down to close escrow. So would a gap lender be what is used to close it and then escrow just puts in the documentation that the owner is financing that portion to satisfy the bank or am i overthinking this? 

Any information is great and much appreciated. Thank you in advance.