What is subject-to?
Buying a house subject to the seller's existing mortgage: the loan stays in the seller's name and the buyer makes the payments.
Why it matters to an investor
A subject-to deal lets a buyer take over the seller's payments without a new loan. It can solve a seller's problem fast but carries the due-on-sale risk.
How investors use it
- Get the loan balance and payment.
- Run the subject-to calculator.
- Have an attorney draft the paperwork.
Questions
What is the risk of subject-to?
The lender can call the loan due when the property is transferred.
Is subject-to legal?
It is lawful in most places, but the structure and disclosure matter. Use an attorney.
How we make these guides
Written by the LeadCounty editorial and data team from official county, court and state sources and our own weekly counts. We name the office behind every number, say what we cannot see, and fix mistakes when you tell us. See our editorial standards and methodology. General information, not legal or financial advice. Refreshed weekly.
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