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You'd have to do it as Earnest Money to the contract, though. The money would sit more than a day because of how long the mortgage process is, so you'd lose it all before you could use it for the down payment.
Earnest Money, however, is paid as a contingency to the purchase agreement must be held by title or cashed by the seller. So you'd have to get someone to agree to sell you a parcel same-day, get a contract written up, and probably best to transfer the earnest money to title for holding. $20k spent right there.
The biggest issue with it, though, is any company or bank willing to give you a mortgage are really going to want to know how you came into $20k in cash, and that's going to be more or less impossible to accomplish.
You can buy land on the spot with cash where I'm thinking of. What balance is left I could cover with my own money. Just need to go to the town clerk's office to notarize the sale and the paperwork is filed with the state for taxes, before 4:00pm the day of.
Ah that's fair. Most people couldn't afford to cover the test of the cost.