Most mortgages do not allow assumptions any longer. Anyone trying to assume a mortgage would activate the due on sale clause (this states that at the time of title transfer the full amount would be due and payable immediately).
I would be extremely hesitant to participate in anything like that. Contact a real estate attorney for advice.... more
The seller can always provide you a seller's disclosure. It is not required from them.
If you have any doubts, spend the money on an inspector.
AF Realty, LLC