For more information: hasslefreehouses.com For this house the seller will finance for up to 12 YEARS!! 12 years gives you plenty of time to get your credit in order if you would like to refinance with a bank loan, or you can just pay off the home within the 12 years and NEVER have to refinance! With the minimum down payment, seller financing is structured through a lease option. With 15% down, seller financing can be structured through an installment sale.