As demonstrated by the numer of replies in agreement, this is a simple thing. Your scenario of taking checks to the bank and walking out with a title would never happen anyway - the checks would need to clear before they would give you anything, including a lien release.
Of course it varies by state, but in my state the state holds the title electronically and there is no paper title until one is needed, then it is ordered and the state will print it. The lien holder would be just that - holding a lien on the RV. You would get the title from the state and lien release from the lender.
This is too complex. And why is the seller willing to sell for less that he owes and where is he getting the difference? Don't answer - that was rhetorical.
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