The Bill of Sale usually also states what items are excluded from the sale. As always, you should consult an attorney regarding legal matters.Click the button below to learn more and apply. A guy I'm potentially selling my car too says he needs a bill of sale to give the bank before they give him a loan? The City of Oakland's CalHome Program operates jointly with participating lenders to assist low income, first-time homebuyers to purchase homes in Oakland. Titles may be acquired at a MVC Vehicle Center. The sale is an installment sale and the buyer agrees in writing to withhold on each principal payment including the down payment and on any balloon payment.