Seller financing offered but at full retail price and 20% down

[Chris Loker]

Just spoke with a lady in Gallipolis, Ohio who is moving to England. Her home was listed with a realtor a few weeks ago at $125,000, which is retail. She is open to keeping the loan in her name but needs $25,000 down and basically wants the full price if she does that.

Is there any way to make a deal work for both of us when the seller is offering 80% financing, but at retail value and requiring 20% down up front?

In the future if we ever do come to an agreement on terms with a seller, would that be considered a sale in the traditional sense, so we also need to keep in mind the 3% to the realtor?

Thanks!