They are written with a simply straight forward message and I just put them on the door of the house.

Quote from @Dave Skow: @Jessica Ashton- thanks   1) contact lender to ask if the loan can be assumed and  if so - get the  detailed steps to take  2) most loans arent assumable (  fha and VA are ..conventional loans arent )  3) I am not certian but I dont think someone on the loan  can assume the loan 4) there ae qualified and non qualifed  assumptions that lenders can offer ...if you aer  trying to  have one of you  be  removed from the liability of the loan - you will need a  qualified assumption and the borrower ending up with the home and loan will need to qualify  5) get a real estate  /  divorce attorney to  help with the process  .....if the loan cant  be  assumed - your  option is for a  refinance to be done  @Dave Skow, Thank you, I've been in contact with the lender and the process seems to be pretty straightforward, similar to purchasing a new loan, however closing is really long, and closing costs are out of pocket so I am trying to make sure and think of everything I can now to avoid having to circle back later. 

The listing agent gave me a separate pdf with instructions on Wire Transfer to transfer the deposit to banks escrow.Does this mean wire transfer is my only option?

Your situation is not super straight forward (because you want to live there) and you should be reaching out to a local mortgage broker in Portland (you need to be licensed state by state for owner occ.) who will understand all of the Non QM owner occupied options inside and out and be able to give accurate rates/time frame expectations.  

There will be lenders instructions, disclosures, a title prelim review, personal guarantee (if you’re wise), 1003, occupancy affidavit, use of funds statement, and lots more.

Lots of instructive comments in this thread.

But throughout the 7 months of disappointment with these companies and them not being straight forward, I have learned a lot and I do thank them for that. 

The Cozy website gives them instructions on how to make payments with either method.

Happy to be corrected/instructed on this point if anyone is game.     

Consult a qualified professional or two...The simplest most straightforward way would be to just buy it from him for $70k.