These loans are held by lending institution. 

Has anyone transferred their conventional financing held by the couple to just one person?

Look for foreclosures that have been held by the bank for longer than the average market turnover in your area.

Specifically, how your contract(s) held up with the lawyer, if you found a title company and escrow or both together and if you went with an assignment or double close.

Each unit has concrete flooring, with lockable metal roll-up security doors.

They call is a "Resale Capital Contribution", I believe it;s intended to go into a capital improvement fund that's held by the HOA for general capital improvement projects. 

In many states these overages are escheated (held by the state treasurer or controller as unclaimed funds).  

Thank you and yeah think if I held it a little longer it would go the same route in value down the road.

The property that you own (the relinquished property) and the property that you acquire (the replacement property) through the exchange have to qualify as "like-kind" and be held for investment purposes.  

We are both on the lease, so the bank is counting the full $3200 because i could be held liable for that.