Your question is not clear.
If you have a contract for deed it depends on how it is structured and its terms. Dose it allow for a percentage of you pmt to go toward your down payment? Can you prove your payments by means of canceled checks? There are many questions. However, as the mortgage loan goes, your mortgage will be at the "lesser" of the contract sales price or appraised value (not considering downpayment and sweat equity (if allowed).

It sounds like you have a land contract? If so you do not have title yet, and I'm assuming you want to have title and actual ownership. As far as I can see as long as there is no stipulation in your contract for paying it off early, then there should be no reason why you can't mortgage it to pay it off. Then you should be able to get a home equity loan. (or if your still fixing it up you could have a rehab loan built in with the mortgage). Talk to your attorney and call some banks. Hope this helps

Your question is not very clear? Buying a house on a contract, what does that mean? Do you currently own it or did you make a purchase contract, not close, the owner allowed you to go in and make improvements to it before you close on it and now you want to apply for a mortgage for $65K?
If you have title to it and your work is completed, go make an application for a mortgage directly to a bank (not a broker) only pay a credit report and appraisal fee first and see if you get approved for the amount that you want. If you have an attorney, you should seek their advice.