If the housing loans are the same, the loans are not in the hands of the Housing Authority. They all go to the bank to sign the loan contract first, and the bank can evaluate the loan before transferring the ownership. After the house is closed, you put the house in the bank, and then the bank transfers the loan to the landlord. Of course, in addition to the loan before the transfer, you have to pay the landlord a down payment. Of course, you must sign a sales agreement between you.

If the landlord is worried, then find an intermediary company he trusts to give them some money as an intermediary and use an intermediary contract.