Financing

Subject-To Financing

Buying a property and taking over payments on the existing mortgage without formal assumption.

Reviewed 9 August 2026 by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Plain-English explanation

Title transfers; loan stays in seller's name. Powerful but legally and ethically nuanced.

Examples

Take over $1,500/mo PITI on 3.5% loan from 2021.

Common mistakes

Ignoring due-on-sale clause risk.
Not building seller protection into the structure.

Subject-To Financing

Plain-English explanation

Examples

Common mistakes

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