Bluntly: deeding away your house while staying on the loan is one of the worst structures available to a seller, and we'd steer you away from it. In a subject-to sale, you deed the property to the buyer but leave your existing loan in your name. You keep all of the liability and none of the control. You have no ownership interest left, yet if the buyer stops paying, your credit takes the damage, and you have little recourse. The transfer can also trigger the lender's due-on-sale clause, since the property changed hands. A safer structure that accomplishes a similar goal is an all-inclusive trust deed, also called a wraparound. Your original financing stays in place, but the buyer signs a new note to you that wraps around it, and the buyer pays you directly. Because the payments come to you, you know immediately if they stop, and you're positioned to start foreclosure and recover the property, rather than finding out months later from a servicer. Even a wraparound carries real legal and due-on-sale risk, so have a real estate attorney structure anything in this family rather than papering it up off a template. Between the two, handing over your deed while staying on the loan is the one to avoid.