Do Banks Ever Do Terms Like: Accepting Half $ In Cash, And Then The Rest In 1 Year?

I was wondering if they do balloon payments. Im 99.9% the answer is no but I thought, hey, what the heck…why not ask. There is a home I am interested in. Thehy want 74K but it needs a ton of work. Carpet, doors, etc. Im sure thats why its priced at 74 b/c it is a nice house, (California). Im just wondering if I offering 40K down and then a balloon or two over one or two years time if they would accept….? Is ALWAYS a no? Or does it depend? Thanks. Also I do not qualify for traditional financing right now.