Most likely you have just discovered why the truck is for sale: it could cost more to fix the transmission than the 24 year old truck will be worth after its fixed. If it was an easy fix the seller would have already fixed it and priced it higher. The seller is trying to get more than salvage value by selling the truck privately.
It sounds like you should budget in the extra cost to install a remanufactured transmission and while it's apart have the clutch rebuilt, throw out bearing replaced and engine rear main seal replaced. Hopefully old parts are can still be traded-in as useable cores, if not add on the core charges. Look up the "private sale" value of the truck and deduct the cost of the repairs to get a maximum price for the truck "as-is". This one could be a money pit even if it was free.
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Today's Featured Article - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
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