And also watch all the tv you want!
Don't do that. If you take over the payments you are not on the loan. You have to make your payments to the person on the loan. What happens if you send them the money, and they don't send it to the bank. What if they decide to go out to dinner in Vegas?
You need to find a Great Realtor, and, or Loan officer. To see what you can afford to buy on your own
Stop watching late night T.V.
I know there are assumable loans, is that what you are trying to ask about? If so, make sure the terms are good. That would be the only reason I can think of. My first home had a 4.34% low interest arm and was assumable. This would be a good reaon to conider. Otherwise, I agree with the others. Too risky.